Beneficiaries✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under a group life insurance plan, the beneficiary of a covered employee's death benefit is typically:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
In a group life plan, each covered employee generally has the right to name the beneficiary for his or her own certificate of coverage, subject to the terms of the master policy. The employee completes a beneficiary designation form, and the insurer records it. The employer sponsors the plan and holds the master policy, but does not choose beneficiaries for employees. Coverage on a spouse or registered domestic partner may have its own designation rules, but the employee makes the primary designation for his or her own coverage.
Why the other options are wrong
- B) The employer administers the plan and holds the master policy, but it does not select individual employees' beneficiaries.
- C) A spouse is not automatically the beneficiary. The employee must affirmatively designate the spouse on the beneficiary form.
- D) The master policy owner, typically the employer, cannot choose a deceased employee's beneficiary after the fact.
Memory hook
In group life, the employee writes the name and the insurer files it.