State RegulationsFL specificDifficulty 1/5
Under a Florida group life plan, what does each covered employee receive as evidence of his or her coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, group life insurance is issued through a single master policy issued to the group policyholder (typically the employer), and each covered member receives a certificate of insurance as evidence of coverage. The certificate summarizes the member's protection - the amount of coverage and the member's rights - while the master policy itself remains with the policyholder and governs the arrangement.
Why the other options are wrong
- A) The master policy stays with the group policyholder; members do not receive copies as their evidence of coverage.
- B) Group members are covered under the master policy, not by separate individual contracts.
- D) A binder is temporary evidence used pending policy issuance; group members' ongoing evidence is the certificate.
Memory hook
One master, many certificates: the certificate is your proof.