Which group would most likely be excluded from eligibility for group life insurance?

Study for the Alabama Life and Health Insurance State Exam. Prepare with flashcards and multiple-choice questions, each question offers hints and explanations. Build your confidence for success!

The correct choice highlights individuals who are typically excluded from eligibility for group life insurance due to the nature of their situation. Uninsured residents of a nursing home often have specific health conditions or situations that can lead to greater risks, making them less favorable candidates for group life insurance coverage. Insurance companies assess risk, and individuals in nursing homes may have higher mortality rates compared to the general population, which can lead to their exclusion from coverage.

On the other hand, employees of a company are generally included in group life insurance plans, as these policies are designed to cover groups of employees as a part of their benefits package. Members of a profession may also be included in group life insurance if they are part of an organization or association that provides such coverage. Likewise, participants in a sports team may be eligible if the team has arranged a group policy, particularly for amateur or recreational sports. Therefore, resident individuals in nursing homes represent a unique scenario leading to ineligibility for a group plan.

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