In a group life policy, which document evidences an individual's coverage?

• A. Master policy
• B. Certificate of coverage
• C. Endorsement
• D. Declarations page

Answer: (B)

In group life insurance, the master policy is the contract between the insurer and the employer. The document that proves an individual is covered is the certificate of coverage; it is issued to the employee and outlines the coverage amount, effective date, and key terms for that person. The master policy isn’t used as the individual’s proof of coverage, endorsements modify policy terms, and the declarations page shows general policy details rather than evidence of an individual’s coverage.