State RegulationsFL specificDifficulty 1/5
What must a Florida group life insurer provide to each covered 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, in group life insurance the employer or other policyholder holds the master policy, and each insured member must receive an individual certificate that states the essential features of the employee's coverage - benefits, exclusions, and rights such as conversion. The certificate is the employee's evidence of insurance, and if a dispute arises the employee relies on the certificate together with the master policy held by the policyholder.
Why the other options are wrong
- A) The master policy is issued to and held by the group policyholder, not delivered to each employee.
- C) Buyer's guide delivery requirements attach to individual life solicitation, not to group life certificates.
- D) No medical examination report is delivered; group life is issued without individual medical exams.
Memory hook
Employer holds the master; employee holds the certificate.