State RegulationsFL specificDifficulty 1/5
In a Florida employer-sponsored group life plan, who designates the beneficiary of an employee's 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, group life certificates insure each member's life, and the employee designates who receives that coverage when the employee dies. The employer holds the master policy as group policyholder but does not name itself or others as beneficiary of members' coverage, and neither the insurer nor any union makes that personal choice.
Why the other options are wrong
- A) The employer administers the plan but the employee chooses the beneficiary of coverage on the employee's own life.
- C) The insurer issues the master policy but plays no role in choosing members' beneficiaries.
- D) A union, like any other policyholder, does not select beneficiaries for members' individual coverage.
Memory hook
My coverage, my beneficiary: the employee picks.