Which of the following is NOT a characteristic of a Group Life Insurance Plan?

• A. Individual underwriting
• B. Group underwriting
• C. Experience-rated premiums
• D. Coverage for employees as a group

Answer: (A)

In a group life insurance plan, underwriting is done for the group as a whole rather than evaluating each individual. The employer sponsors the plan and provides coverage to employees under a master policy, so most participants aren’t subject to separate medical underwriting for enrollment. This is why individual underwriting is not a characteristic of group life plans.

Group underwriting means the insurer looks at the overall risk of the group—their size, age distribution, and other aggregate factors—to determine coverage and rates. Premiums are often experience-rated, meaning they reflect the group’s actual claims experience rather than just a fixed rate for every individual. And the coverage is provided to employees as a group, not on a individual-by-individual basis.

So the option that isn’t characteristic is individual underwriting.