Bảo hiểm nhân thọ nhóm & Niên kimCâu 523 / 716
In a contributory group plan, in which employees share in the premium cost, insurers usually require that:
a.A high percentage, such as 75 percent, of eligible employees enroll to limit adverse selection
b.Only the employer be covered under the plan
c.No employees be allowed to enroll
d.Exactly 100 percent of employees enroll every year, a level generally required only for noncontributory plans
Giải thích
When employees pay part of the premium (a contributory plan), insurers require that a substantial share of those eligible, often around 75 percent, actually enroll, so the group does not fill up mainly with people who expect to have claims. Requiring no enrollment or only the employer makes no sense, and 100 percent participation is generally required only for noncontributory plans, where the employer pays everything. The participation threshold guards the group against adverse selection.
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)