State RegulationsTX specificDifficulty 1/5
How is dependent coverage provided under a Texas group life insurance policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under TIC 1131.151 and Chapter 1131 generally, dependent coverage under group life insurance is written as part of the group master policy issued to the policyholder; dependents are insured because they fall within the defined class of eligible dependents and receive certificates evidencing that coverage, not separate individual contracts. Practically, a Texas agent enrolls a dependent by establishing that the person meets the policy's dependent definition at that time.
Why the other options are wrong
- A) is wrong because a conversion policy is the individual contract issued after coverage ends; it is not the vehicle that provides dependent group coverage.
- B) is wrong because dependent eligibility flows from the class definition in the policy rather than from a separately underwritten individual application in every case.
- C) is wrong because group life is one master policy issued to the policyholder; dependents are not issued their own individual policies.
Memory hook
One master policy, many certificates.