Tennessee Insurance Practice Exam

Under a trustee group life policy, who would be eligible for a certificate of coverage?

1. Spouse of the employee

2. Dependent children

3. Employee

4. Retired employees

The correct answer is: Employee

Under a trustee group life policy, the individuals eligible for a certificate of coverage generally include those who are part of the group that the policy is established for, which typically qualifies employees of a participating employer. The policy is designed to provide coverage to employees as part of a group rather than on an individual basis. This structure allows for simplified underwriting as each covered employee receives a certificate of coverage that signifies their entitlement to benefits under the group policy. While spouses, dependent children, and retired employees may often receive coverage under certain group policies, specifically in the context of a trustee group life policy, it is primarily the active employees who qualify for coverage certificates. Therefore, it is the employee who is correctly identified as eligible for the certificate of coverage under a trustee group life policy.