Which statement correctly describes blanket life insurance under California law?

Why A is correct

Blanket life insurance (CIC §10270.2) covers a defined group of persons under one policy based on a common activity, such as a school, sports team, or similar exposure, without requiring that each person be named or receive an individual certificate. The policyholder is typically an organization or sponsoring entity. Because the individuals are exposed to a common risk, blanket coverage is practical where individual identification is impractical. Blanket policies simplify administration and are distinct from group policies that require eligible-group structures and certificates.

Why the other options are wrong

• Blanket insurance specifically avoids naming and individually underwriting each covered person; it covers a class exposed to a common risk. This answer describes a different situation from the one in the question and is therefore incorrect under the facts given here.
• Blanket coverage applies to a group based on a shared activity, not a single family; family coverage is a family policy or rider. This choice does not fit the arrangement described in the question, so it is clearly not the right option to choose.
• Blanket insurance is a group form, not an individual whole life policy; it insures a class of persons under one contract. Accordingly, this option is not correct because it does not match the specific rule or product that is described in the question.

Memory hook

Blanket means one policy, one group, and no name list required.