State RegulationsFL specificDifficulty 1/5
Whom does dependent coverage under a Florida group life plan typically insure in addition to the employee?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 627, Florida Statutes, dependent coverage in a group life plan extends life insurance to the employee's eligible dependents - typically the spouse and dependent children - in addition to the employee's own coverage. Beneficiaries are the people the employee designates to receive death proceeds; they are not insureds, and business partners or executives are not the employee's dependents.
Why the other options are wrong
- A) Executives are insureds under their own employee coverage, not under a dependent rider.
- C) Business partners are unrelated third parties, not family dependents.
- D) Naming someone a beneficiary gives no insurance on that person's life; dependent coverage is what insures family members.
Memory hook
Dependents = spouse and kids; beneficiaries just collect.