EOI - default guaranteed issued amount

Hello -

We would like to configure the following senario. We are using Oracle 11.5i, OAB Rup 5.

We would like to default the guranteed issue amount ,when  the employees' current and suspended coverage is different than the guaranteed issued amount.

Example -  Guaranteed issued amount is $500k.  Employee A currently has $100k in supplemental life insurance. Employee A request $600k supplemental life insurance. The $600k supplemental life insurance is in suspend status. The request for $600k is declined by the insurer. The system should automatically default to the guaranteed issued amount of $500k if the employee is declined the additional coverage.