Under a trustee group life policy, which group would receive a certificate of coverage?

• A. Trustee group life policy
• B. Group term life policy
• C. Individual life policy
• D. Credit life policy

Answer: (A)

In a group life plan, a master policy is issued to the plan sponsor, and each covered member receives a certificate of coverage that proves their individual coverage and outlines benefits, exclusions, and eligibility. A trustee group life policy is the arrangement where a trustee administers coverage for a defined group and issues certificates of coverage to each participant under that master policy. This makes the certificate of coverage naturally go to the members of the group under the trustee policy, rather than to the policyholder as a whole or to a non-group product. The other types described are not organized around issuing individual certificates to a group in the same trustee-administered way, or they are not group policies in the same sense. Therefore, the group that would receive a certificate of coverage is the trustee group life policy.