Which type of life insurance policy typically does not require evidence of insurability?

Group life insurance typically does not require evidence of insurability because it is designed to provide coverage for a group of individuals, such as employees of a company. In group insurance policies, the underwriting process is simplified; the insurer can often provide coverage without requiring each individual to complete a health questionnaire or undergo medical exams. This approach allows for easier enrollment and coverage for many individuals at once, facilitating the provision of benefits, especially in an employee benefits context.

In contrast, individual policies like term life, whole life, and universal life insurance usually require evidence of insurability, which involves a more thorough assessment of the applicant's health status. This process can include medical examinations and personal health information to determine eligibility and premium rates, as these policies are tailored to individuals rather than groups.