Vida Grupal y AnualidadesPregunta 680 de 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
Explicación
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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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)