What is generally true about the underwriting of group life insurance?

In the context of group life insurance, coverage is generally guaranteed for all members of the group, as long as they meet certain eligibility criteria defined by the policy. This means that, unlike individual life insurance policies, where each applicant undergoes personal underwriting and health assessments, group life insurance often avoids individual health evaluations for members. The primary purpose of group life insurance is to provide a cost-effective way to offer coverage to a larger group of people, such as employees of a company, where the risk is pooled among all members.

As a result, once the group is established and the member meets the criteria set forth in the policy (such as being actively employed), they typically receive automatic coverage without the need for individual applications or health assessments. This is advantageous for both the insurer and the insured, as it simplifies the process and typically results in broader access to life insurance benefits for participants.

While there might be exceptions or specific terms that apply, the general principle of guaranteed coverage for all eligible members stands true in most group life insurance policies.