A medical history statement (MHS) verifies your general health and serves as your EOI for Life and AD&D coverage. It verifies your general health for underwriting purposes and provides the insurance company with information to determine if you can enroll. If the provider requires EOI, you simply complete and submit your form through Securian’s company website. Coverage that requires EOI is effective the first of the month after the company approves your EOI. If you sign up during benefits enrollment, your coverage can’t start before the new plan year begins.