What is NOT usually a feature of group insurance policies?

In group insurance policies, individual underwriting is typically not a feature. Group insurance is designed to provide coverage to a collective group, such as employees of a company or members of an association, rather than assessing the risk of each individual member. This approach allows the insurer to evaluate the risk based on the group's overall characteristics rather than on the health status or history of each individual participant.

The absence of individual underwriting is a significant reason why group insurance tends to be more affordable and accessible, as premiums are usually based on the overall risk profile of the group instead of individual health risks. This fosters inclusivity, as even individuals with pre-existing health conditions can secure coverage without facing discriminatory practices based on their personal health.

In contrast, many other aspects associated with group insurance policies, such as cost-sharing among members, increased coverage for individuals, and guaranteed renewal options, are common features that enhance accessibility and affordability, making group insurance an attractive option for many people.