Separate life coverage from AD&D coverage
Life coverage and AD&D coverage are different policy benefits. Ask what event triggers each benefit and how exclusions apply.
Review group eligibility and enrollment
Eligibility classes, employer contribution, beneficiary designation, portability, conversion, and evidence-of-insurability rules depend on the group contract.
Use the certificate and carrier materials
Do not make a benefit promise from a summary alone. Review current plan documents before offering or enrolling employees.