What condition is common among group life insurance policies regarding coverage?

Group life insurance policies often provide coverage on a broader scale compared to individual policies. One significant feature is that coverage is typically granted without individual underwriting. This means that employees can obtain life insurance coverage without going through the detailed medical evaluations or assessments that would be required for an individual policy.

This approach makes it easier for employers to offer life insurance as a benefit, ensuring that all employees can participate, regardless of their health status. It also helps in streamlining the application process and reducing administrative burdens for both the employer and the insurance provider.

The structure of group policies is designed to support inclusivity, thereby allowing coverage for all participating members of the group without discrimination based on health conditions.