Which of the following is a true characteristic of a Group Life Insurance Plan?

• A. The plan uses individual underwriting
• B. Coverage is typically provided through a master policy to the employer
• C. Premiums are always the same for all members
• D. Medical underwriting is required at issue

Answer: (B)

Group life plans are issued under a master policy to the employer, with employees covered under certificates issued to individuals. This structure allows the insurer to pool risk across a whole group rather than evaluating each person separately, which is why underwriting is done at the group level and individual medical exams are typically not required for standard coverage. Premiums are arranged for the group as a whole—often funded by the employer or shared—rather than being determined individually for each member. Medical underwriting at issue isn’t a standard feature of typical group plans, though exceptions can occur for very large coverage amounts or added voluntary features.