团体寿险与年金第 681 / 716 题
In a noncontributory group plan, the employer pays the entire premium, so insurers usually require:
a.100% of eligible employees to be covered, to avoid adverse selection
b.At least 75% participation among eligible employees, since some always opt out
c.Individual medical underwriting of each employee before enrollment
d.No minimum participation requirement for the eligible group of employees
解析
Because the employer pays it all in a noncontributory plan, insurers require 100% participation, which eliminates adverse selection. Contributory plans, where employees pay part, use a lower threshold like 75%.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)