Washington Life Producer Practice Exam

A group policy may be issued to a labor union. Who are the members eligible for insurance under this policy?

1. Only the elected officials of the union

2. All of the members of the union

3. Members that pay additional dues

4. Only full-time members

The correct answer is: All of the members of the union

A group policy issued to a labor union is designed to provide insurance coverage for the union's members as a whole. This means that all individuals who are members of the union are typically eligible for insurance under the policy. This broad inclusion aligns with the principles of group insurance, which aims to offer coverage to a large group to spread the risk among many individuals, making it more affordable for all involved. In many cases, additional restrictions are minimal, ensuring that participation is inclusive rather than exclusive. This approach not only benefits the members by providing them with access to important insurance products but also reflects the collective nature of union membership. Therefore, the correct assertion is that all members of the union are eligible for insurance under the group policy.