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Group Insurance: Agency Characterization Of The Master Policy-Holder, Stephen K. Eugster

Washington Law Review

One of the major issues in connection with group life insurance is whether the master policy holder, the person who takes out the insurance, is the agent of the insurance company. This comment describes the general characteristics of group insurance and discusses the factors courts consider in finding an agency relationship between the master policyholder and the insurance company. Arguments are presented that the most equitable results are reached when the insurer is held responsible for the acts of the master policyholder under an agency theory.