Identification of differences between group and individual life insurance for employees

Anna Piechota
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Abstract

Group life insurance for employees is one of numerous voluntary insurance products covering employees’ personal risks. It can be an important complement to mandatory insurance arrangements (especially social insurance schemes) that provide personal coverage for workers. While employees may take out their life insurance on an individual basis, employer-offered group life insurance is an attractive alternative. Joining a group insurance plan is an employee’s individual decision that should be taken based on his or her knowledge of the terms of coverage. The purpose of this article is to point out the differences between employee group life coverage and individual life insurance, with a particular emphasis on insurance funding aspects and how they affect certain aspects of relevance to employees.
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鉴别员工团体人寿保险与个人人寿保险的差异
员工团体人寿保险是涵盖员工个人风险的众多自愿性保险产品之一。它可以作为强制性保险安排(特别是社会保险计划)的重要补充,为工人提供个人保险。虽然雇员可以在个人基础上购买他们的人寿保险,但雇主提供的团体人寿保险是一个有吸引力的选择。加入团体保险计划是员工的个人决定,应该根据他或她对保险条款的了解来做出决定。本文的目的是指出员工团体人寿保险和个人人寿保险之间的差异,特别强调保险资金方面以及它们如何影响与员工相关的某些方面。
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