Who typically issues the certificate of coverage to employees under a group life policy?

• A. The insurer
• B. The employer
• C. The employee
• D. The regulator

Answer: (A)

In group life coverage, the certificate of coverage is the official proof of the employee’s benefits under the master policy. That certificate is prepared and issued by the insurance company, since the insurer is the party underwriting and administering the policy. The employer acts as the sponsor and facilitates enrollment and distribution, but the actual issuer of the certificate is the insurer. The employee is the recipient of the certificate, not the issuer, and regulators do not issue the certificate.