Group life insurance provides life coverage to a defined group-most commonly employees-under a master policy. Employers often offer a base amount at low or no cost and allow voluntary buy-up.Evidence of insurability is limited or waived at enrollment; coverage may be portable or convertible. In the U.S., employer-paid coverage over $50,000 can create taxable imputed income under 79. Group life delivers efficient, broad protection but is typically not customized to individual needs.

Employers offer basic group term and voluntary buy-up. Advisors explain imputed income above $50,000 and portability or conversion rights. Beneficiary audits and enrollment education improve coverage quality and claims outcomes.