Employee Life Rules (Group Policy)

Employees may be insured under a group policy issued to their employer, subject to: (1) the policy must benefit someone other than the employer (e.g., the employee's family); (2) eligible employees include all employees, or classes determined by employment conditions (all full-time, all retired, etc.); (3) premiums are paid by the policyholder (employer), with funds from the employer (noncontributory), the employee (payroll deduction), or both; (4) noncontributory plans (100% employer-paid) must cover ALL eligible employees; and (5) coverage amounts must follow a plan that precludes individual selection — neither employer nor employee may hand-pick an individual's amount outside the plan's rules.

The employer buys and pays, the family benefits, classes are objective, everyone's in if it's free — and nobody gets to cherry-pick coverage amounts.