Short answer: Benefit amounts above the plan’s guaranteed-issue limit usually require each electing employee to complete Evidence of Insurability (medical underwriting). Watch the guarantee-issue maximum, participation rules, the EOI process, and rate stability.
For voluntary life and long-term disability, carriers set a ‘guaranteed issue’ amount that employees can elect without health questions; anything above it triggers Evidence of Insurability (EOI), where each employee is individually underwritten and may be declined for the excess. When seeking high limits, weigh the guaranteed-issue maximum, the minimum participation the carrier requires to offer richer limits, how the EOI process works, and whether rates are stable. Higher limits are achievable but come with more underwriting friction.