State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law (CIC Section 10270.2), a blanket life insurance policy is one that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A blanket life insurance policy under CIC Section 10270.2 covers a defined group of persons under one contract, without individual applications, enrollment, or certificates for each member. The members are identified by their membership in a class that shares a common hazard or exposure, such as passengers on a common carrier, spectators at an event, or employees engaged in a hazardous operation. Because individual members come and go and are not individually underwritten, blanket coverage operates differently from standard group life and simplifies administration.
Why the other options are wrong
- B) Blanket coverage is characterized by the absence of individual applications and medical examinations for members.
- C) Blanket policies cover a class of persons with a common exposure, not merely the family of the policyholder.
- D) The defining feature is how the group is defined and covered, not the insurer's renewal discretion.
Memory hook
Blanket = one contract drapes over a whole class of people.