With a group life insurance policy, the insurance contract is between the group and the insurance company, and the participating group members/employees receive certificates of coverage.
The advantage of Group life is it’s easy to qualify for coverage. Unlike an individual life insurance policy, where you might be rejected, group life coverage is guaranteed and there are no medical questions. The insurer bases the premium on the risk of the group as a whole and considers such factors as the ratio of women to men, members’ ages and the kind of work they do.