Group Life & AnnuitiesQuestion 680 of 716
Group life underwriting typically:
a.Is performed separately for each individual employee, who must submit their own detailed medical evidence of insurability
b.Requires each member to pass an individual medical exam
c.Declines every applicant with any health condition
d.Evaluates the group as a whole, so individual evidence of insurability is often not required
Explanation
Group underwriting looks at the characteristics of the whole group rather than each individual, so members usually need not prove insurability. This lowers cost and broadens access.
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- The Social Security 'blackout period' is the span during which a surviving spouse receives no survivor income, generally:
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- In group life insurance, the individual employee receives a ________ while the employer holds the ________:
- In a noncontributory group plan, the employer pays the entire premium, so insurers usually require:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)