What is the primary function of the certificate of insurance in group life insurance?

The primary function of the certificate of insurance in group life insurance is to provide evidence of coverage. This document serves as confirmation to the insured individuals that they are part of a group plan, detailing the specific coverage provided to them under that plan. The certificate is not a policy in itself but rather a summary that reflects the insurance coverage each member has, making it an essential tool for beneficiaries to understand their rights and protections under the policy.

While outlining claims procedures, serving as a policy document, and disclosing benefits and premium rates are important aspects of insurance, they are not the primary roles of the certificate of insurance. The certificate does not act as a comprehensive policy document—rather, it summarizes the key aspects of the group coverage for individuals. Additionally, while benefit details and premium rates may be included in the broader policy documentation, the certificate focuses mainly on evidencing that coverage exists for the certificate holder.