Tennessee Insurance Practice Exam 2026 – All-in-One Resource for Exam Success!

A large group disability income policy typically does not require medical underwriting, which is a significant characteristic of such insurance plans. In these policies, coverage is extended to a group of individuals, often provided through an employer or an association. Since the insurance company assesses the risk based on the entire group rather than on individual health histories, this eliminates the need for medical underwriting. As a result, all eligible group members can generally obtain coverage without the delays or rejections that can accompany individual medical evaluations.

This feature can encourage broader participation, making it easier for employees or members with pre-existing conditions or health concerns to secure disability coverage. This accessibility is crucial in promoting a healthier workforce, as it ensures that individuals who might otherwise struggle to obtain private disability insurance can still protect their income.

Other characteristics, such as higher benefit amounts, limited coverage options, or mandatory waiting periods, can vary depending on the specific policy and the underwriting rules established by the insurer, but they are not inherent to large group disability income policies in the same way that the absence of medical underwriting is.