AMF Group Insurance study plan

Define group insurance and distinguish it from individual insurance by listing at least five structural differences

Explain the master contract, certificate of coverage, and the roles of policyholder, sponsor, and certificate holder

Describe underwriting mechanics unique to group coverage: group selection, actively-at-work rules, participation and contribution requirements

Identify the general provisions that recur across group products, including eligibility, enrollment periods, and termination conditions

Trace how general provisions such as grace period, reinstatement, and incontestability apply differently in group life than in individual life

Summarize the standard group life benefit structure: schedule of benefits, reductions, and beneficiary designation rules

Explain conversion privileges and portability options and identify when each applies

Compute a basic group term life benefit amount from a stated schedule and salary multiple

Differentiate group term life, group permanent, and accidental death and dismemberment coverage by design and funding

Describe supplemental and dependent group life options and the underwriting limits that typically accompany them

Analyze how coverage reductions at specified ages or retirement affect the amount payable

Explain the tax treatment of employer-paid group life premiums above the statutory threshold

Distinguish short-term from long-term group disability by elimination period, benefit duration, and definition of disability

Explain own-occupation versus any-occupation definitions and how the definition can change over a claim

Describe how benefit percentages, offsets, and maximums interact to determine a disability payment

Outline the structure of group medical and dental benefits, including deductibles, coinsurance, and out-of-pocket limits

Explain coordination of benefits and how primary versus secondary payer status is determined

Summarize managed care structures including HMO, PPO, and consumer-directed arrangements in a group setting

Describe the claims process and appeal rights available to group health and disability claimants

Identify the key statutory benefits and notice requirements that shape group health and disability contracts

Explain how group plan design balances employer cost objectives against employee coverage needs

Describe funding arrangements including fully insured, self-funded, and level-funded approaches and their risk implications

Design a benefits package for a stated workforce profile using eligibility, contribution, and benefit-level decisions

Evaluate how plan design changes affect adverse selection, participation, and administrative cost

Identify the regulatory framework governing group insurance, including state versus federal jurisdiction over group products

Explain producer responsibilities in group sales, including disclosure, suitability, and fiduciary obligations

Apply an ethical decision framework to at least three group insurance scenarios involving conflicts of interest

Describe client relations practices for group accounts, including enrollment communication and service escalation

Integrate concepts across all five domains by mapping each domain's key provisions to the others

Complete two full-length practice exams under timed conditions and analyze results by domain

Target the two weakest domains with focused review and re-testing

Consolidate a final one-page summary sheet of high-frequency concepts for last-minute review