团体寿险与年金第 521 / 716 题
In group insurance, the individual members of the group receive:
a.Their own master contracts to keep
b.Certificates of coverage, while a single master policy is issued to the sponsor
c.Separately underwritten individual policies issued individually to each member of the group
d.No documentation of their coverage
解析
In group insurance, the insurer issues one master policy to the sponsor (such as an employer or association), and each covered member receives a certificate of coverage that summarizes their benefits and rights. Members do not get individually underwritten policies, are not left without documentation, and do not each hold a master contract. The master-policy-and-certificate structure is a defining feature of group insurance and is why group underwriting looks at the group rather than each person.
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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)