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14 sofia is a newly licensed insurance agent who has so far worked only with individual clients. today, she is meeting a new client, jacob, who owns a company and wishes to purchase a group insurance contract for his employees. jacob mentions that he prefers a contributory plan that provides employees with optional additional coverage. he also wants an employee assistance plan (eap) to be included in the coverage. when gathering information about the group that requires coverage, sofia should focus on all of the following, except
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a. the average age and gender of plan members.
b. the turnover rate of the group.
c. the individual health status of plan members.
d. the nature of the company’s business.
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Explanation:

In group insurance, underwriting typically considers group - level factors rather than individual health statuses. The average age and gender of plan members (option a) can impact risk and premiums. The turnover rate of the group (option b) affects the stability of the insured group. The nature of the company’s business (option d) can influence the type of risks (e.g., a construction company may have different risks than a tech company). However, for a group insurance plan, individual health status of each member is not a focus as group plans are based on group - level risk assessment, not individual underwriting like in individual insurance.

Answer:

c. the individual health status of plan members.