State RegulationsFL specificDifficulty 1/5
Which employees are eligible for employee life insurance under a Florida employer's group life master policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, an employer's group life master policy defines the classes of employees who are eligible - for example, all full-time employees, or all employees in specified job classifications. Employees within those classes who meet the plan's eligibility requirements are covered without individual medical exams or individual underwriting. Workers outside the defined classes, such as employees of independent contractors, are not covered.
Why the other options are wrong
- A) Coverage is not limited to executives; plans commonly cover broad classes of employees.
- B) The plan's defined classes control - outsiders such as contractors' employees cannot simply apply their way in.
- C) Group life is underwritten on the group as a whole, without individual medical examinations.
Memory hook
The plan's classes decide who is in - not titles or exams.