Question

.Any employee insured under a group life insurance plan is normally

a. given a master certificate
b. covered on a noncontributory basis
c. required to show proof of insurability
d. covered with term life insurance

Answer 1

Employees covered under group life insurance plans are usually offered term life insurance without the need to show proof of insurability, and often the employer pays the full premium.

Step-by-step explanation:

Any employee insured under a group life insurance plan is typically covered with term life insurance. Group life insurance policies often issue a certificate of coverage to the employee which corresponds to the master policy held by the employer. This coverage is typically provided on a noncontributory basis, meaning the employer pays the full cost of the premium, and it normally does not require an employee to show proof of insurability when the coverage is first offered, especially during an initial enrollment period or up to a certain coverage limit.

Answer 2

Under group life insurance, an employee is often covered with term life insurance, provided on a noncontributory basis by the employer, and given a certificate of insurance but not the master policy.

Step-by-step explanation:

When an employee is insured under a group life insurance plan, they are usually covered with term life insurance. This means that the insurance coverage is for a specified period, and if the employee dies within this term, the benefit is paid out to their beneficiaries. Unlike individual life insurance policies, group life insurance doesn't typically require the insured to show proof of insurability; it's often provided on a noncontributory basis by the employer, which means the employer pays the full premium. The employee usually receives a certificate of insurance, but the actual contract is between the employer and the insurance company, and the employer holds the master policy.