What is called that contains individualized information for the group, based on information related to the insurer by the group policyholder?

• A. Certificates
• B. Declarations
• C. Schedules
• D. Riders

Answer: (A)

In group insurance, the document that carries individualized information for each member is the certificate of insurance. It reflects the specific coverage for an individual—like the member’s name, the benefit amounts, the portion the insurer and employer cover, the effective date, and any limitations or exclusions—based on information the group policyholder provides to the insurer (such as enrollment data). This certificate is the member-facing record of their own coverage, even though the master policy governs the overall terms.

Declarations summarize the overall policy terms at the policy level, not for each person. Schedules are attachments listing detailed terms or rider information, and riders are amendments that modify the base policy; neither is the document issued to individual members in the same way as a certificate.