HR Benefits - EOI for Life Insurance

Hi,

We have noticed that EOI is being required when the insurance coverage amount goes down as well as up for coverage level changes.

Is this an expected result?

We have configured "Change of Coverage" at 1x Salary and thought it only applied to increases. For example, going from 1x to 3x would require EOI, but going from 3x to 1x would not.

Has anyone else had this experience?

Thanks,

Terry