Gen Re Announces 2025 U.S. Group Medical Evidence of Insurability Underwriting Survey Results

Participants reported receiving a total of over 2.7 million EOI applications in 2024.

STAMFORD, Conn.--(BUSINESS WIRE)--Gen Re has released results of the 2025 U.S. Group Medical Evidence of Insurability Underwriting Survey. The survey focuses on what staff companies provide to process Evidence of Insurability applications (EOI) as well as the methods used to process them, providing companies with an opportunity to benchmark their results against those of the industry. Twenty-one companies participated in this year’s survey.

Key results from this year’s survey include:

• Participants reported receiving a total of over 2.7 million EOI applications in 2024.
• The average processing time for an EOI application is 11 business days.
• Many companies report having an automated or straight-through processing EOI system. However, a significant number of applications are still being reviewed by a medical underwriter.
• The top challenges facing group medical underwriting departments are managing volume during peak times, inefficient underwriting systems, technology deficiencies, and updating or developing applications for improved underwriting risk selection.

The comprehensive report is available only to participating companies. A summary of key highlights is available online at genre.com/lhsurveys.

About Gen Re
Gen Re, a Berkshire Hathaway Company, is one of the leading Life/Health and Property/Casualty reinsurers in the world. Our North American Life/Health reinsurance company, General Re Life Corporation, has superior financial strength ratings among Life and Health reinsurers. Gen Re delivers customized reinsurance programs and risk management solutions for the Life, Medicare Supplement, Critical Illness and Individual Disability Income markets. Through our research, we also offer valuable information and insights. www.genre.com