Life and Annuity License Practice Exam 2025 – Complete Prep Resource

When it comes to insurance plans, proof of insurability is often required for individuals who want to enroll outside of open enrollment periods or for coverage amounts that exceed certain limits. However, if an employee is not required to provide proof of insurability, it typically means that they can enroll without undergoing additional health evaluations or providing medical evidence.

In this context, employees who fall under such conditions are generally automatically enrolled in the plan as long as they meet other eligibility requirements. This automatic enrollment is a way to simplify the process for employees and encourage participation in the coverage offered by the employer.

Options suggesting denial of coverage, limited coverage, or waiting periods typically apply when proof of insurability is necessary, highlighting that in this situation, those stipulations do not apply. Therefore, automatic enrollment is the logical outcome when proof is not required.