The most common use of a group life insurance policy is to insure

While families can have life insurance, group life insurance is specifically designed for groups such as employees within a business rather than for individual family members. Family members may obtain individual life insurance policies, but they are not typically covered under a group policy, which is focused on organizational affiliations.

Business organizations themselves do not directly benefit from group life insurance policies; rather, the policies are intended to insure the lives of individual employees within those organizations. The insurance coverage is aimed at providing benefits to employees, not the business entity.

Contractors are usually not included in group life insurance policies unless specifically stated in the agreement. Group life insurance typically covers full-time employees, making this choice less applicable as contractors are not considered part of the employee group that these policies are designed to cover.