State RegulationsFL specificDifficulty 1/5
How is eligibility for Florida group life coverage typically determined?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, group life insurance is underwritten on the group as a whole rather than on each individual. Members ordinarily become covered based on their eligibility in the group - active employment in a covered class, for example - without individual medical exams or evidence of insurability. This group-wide underwriting is exactly why the conversion privilege matters: an employee who leaves the group can obtain individual coverage without suddenly having to prove insurability.
Why the other options are wrong
- A) Individual medical exams are part of individual underwriting; group life avoids them by assessing the group as a whole.
- B) Evidence of insurability is precisely what group life underwriting does not require of each member.
- C) Group life sold by an insurer is insured coverage; it is not a self-funded employer plan with the insurer merely administering claims.
Memory hook
No exam to get in - that is why no exam is needed to convert out.