does group term life insurance provide permanent coverage 
no group term life provides temporary coverage while you work for your employer or while you pay premiums through a membership association unlike permanent insurance term life does not last your entire lifetime and does not accumulate cash value am i required to pass a medical exam to apply for group term insurance most employer based plans provide a standard amount of coverage to all eligible employees with no medical exam however if you want to purchase supplemental coverage for yourself or your family members you may be required to take a medical exam or provide additional health information when you apply 8