In group insurance, individuals are often identified by which of the following criteria?

In group insurance, individuals are typically identified primarily by their employment relationship. This means that coverage is offered based on the individual's association with a particular group, usually an employer or organization. The group insurance plan is underwritten based on the collective characteristics of the group rather than the individual attributes of each member. This approach allows for cost-effective insurance solutions, as the risk is spread across many members, and it simplifies the enrollment process because eligibility is determined by the individual's employment status rather than personal factors such as income levels, health status, or demographics like age and gender.

The reliance on the employment relationship helps ensure that group insurance can offer coverage to a broader range of individuals, promoting inclusivity in access to health and life insurance benefits. Additionally, because the group provides a pool of members, it often results in lower premiums compared to individual insurance.