Which provision is NOT required in a group life policy?

The provision that is not required in a group life policy is the accidental death benefit. Group life insurance policies typically include provisions designed to offer essential protections and rights to the insured. These provisions often include a conversion privilege, which allows insured members to convert their group coverage to an individual policy if they leave the group, and a grace period, which gives policyholders additional time to make premium payments. An incontestability clause is also commonly included to prevent insurers from contesting claims after a certain time period has passed, providing further security to policyholders.

An accidental death benefit, while beneficial, is not mandated by law or regulation for group life policies. Insurance companies may choose to include this benefit in their offerings, but it is not a requirement, and therefore, its inclusion can vary significantly among different group life plans. This distinction highlights that not all benefits are universally required, particularly in group policies where the primary focus is often on fundamental life coverage benefits.