Evidence of insurability is the paperwork or medical and lifestyle information a person must provide to an insurer to prove they qualify for a particular insurance policy or coverage level. For investors, it matters because acceptance or rejection based on this evidence affects a company’s benefit costs, potential liabilities, and the risk assumptions behind reserves or key-person and buy-sell insurance—similar to how a lender uses a credit check before approving a loan.
eoimedical
An expression of interest (EOI) is a formal, non-binding indication from an investor, buyer, or partner that they are considering a transaction such as a purchase, investment, or joint venture. It matters to investors because an EOI signals potential deal activity and can kick off official negotiations or due diligence; think of it as raising a hand to say “I’m interested” before committing time and money. EOIs help market participants gauge demand and possible changes in a company’s valuation or ownership.
application programming interfacetechnical
A set of rules and tools that lets different software systems talk to one another, like a menu and waiter connecting diners to a kitchen so requests are understood and fulfilled. For investors, APIs matter because they enable companies to share data, add features, partner quickly, scale software without rebuilding everything, and create new revenue streams or efficiencies—advantages that can affect growth, costs, and competitive position.
apitechnical
An API, or Application Programming Interface, is a set of rules that allows different software programs to communicate and work together smoothly, much like a waiter translating your order into the kitchen and then bringing your meal back. For investors, APIs are important because they enable real-time access to financial data, trading systems, and other digital services, making it easier to make informed decisions quickly and efficiently.
underwritingfinancial
Underwriting is the process where a financial institution agrees to buy and then resell new stocks or bonds to investors. It matters because it helps companies raise money quickly and smoothly, while the bank takes on the risk of selling those securities at the agreed price. Think of it like a booker guaranteeing to sell all tickets for a concert before opening the doors.
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Employers, employees, and brokers benefit from a more connected enrollment process
DES MOINES, Iowa--(BUSINESS WIRE)--
Principal Financial Group® announced the launch of a new integration with Employee Navigator, a leading benefits administration platform, to streamline evidence of insurability (EOI) during employee benefits enrollment. Available to active Employee Navigator clients, the integration reflects continued investment by Principal to further simplify benefits administration and enhance the enrollment experience for employers and employees alike.
“Enrollment is most effective when benefits processes are connected from the start,” said Kara Hoogensen, SVP – Workplace Benefits at Principal. “By bringing EOI questions directly into the enrollment experience, this integration reduces complexity in benefits administration and helps deliver a smoother, more connected experience for employees.”
The new application programming interface (API) connection enables employees to complete required EOI health questions during their initial enrollment experience, creating a more efficient process and accelerating underwriting decisions for group benefits.
The new integration improves the capture and sharing of EOI medical information to:
Minimize enrollment disruptions for employees
Reduce administrative touchpoints for employers and brokers
Speed up underwriting review
Principal offers group benefits solutions to over 90,000 small and midsize employers across the U.S., including group dental, vision, life, short- and long-term disability, paid family medical leave (in select states) and supplemental health products such as accident, critical illness, and hospital indemnity insurance.
Principal Financial Group® (Nasdaq: PFG) is a global financial company with approximately 19,000 employees1 passionate about improving the wealth and well-being of people and businesses. In business for 146 years, we’re helping over 75 million customers1 plan, insure, invest, and retire, while working to support the communities where we do business, and building an inclusive workforce. Principal® is proud to be recognized as one of the 2026 World’s Most Ethical Companies2 and named as a “Best Places to Work in Money Management3.” Learn more about Principal and our commitment to building a better future at principal.com.
1 As of December 31, 2025
2 Ethisphere, 2026
3 Pensions & Investments, 2025
