State RegulationsFL specificDifficulty 1/5
Under a Florida group life plan, who chooses the beneficiary of an employee's life coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 627, Florida Statutes, the covered employee names and may change the beneficiary of his or her own group life coverage. The employer holds the master policy but has no say in who the employee's beneficiary is, and neither the insurer nor a union selects beneficiaries for members. The employee's designation, recorded on the enrollment or change form, controls payment of the death benefit.
Why the other options are wrong
- A) The employer is the policyholder but does not choose the employee's beneficiary.
- C) The insurer administers the plan; it does not designate beneficiaries for covered employees.
- D) A union sponsor holds the master policy for its members but does not pick their beneficiaries.
Memory hook
Your coverage, your beneficiary choice.