An individual covered in a group life insurance policy is considered to be a(n):

In the context of a group life insurance policy, the person who is covered under the policy is referred to as a certificate holder. This terminology signifies that the individual has a certificate that provides evidence of their coverage under the group plan. Unlike individual life insurance, where the policyholder is the insured and holds the contract with the insurer, in a group policy, the employer or organization typically holds the main policy.

Each individual member covered by the policy receives a certificate outlining their specific benefits and coverage details. This is important because it differentiates the individual's rights and roles within the group policy framework. The insured person, while technically accurate, does not capture the relationship to the group policy structure as effectively as the certificate holder designation. The policy owner would typically refer to the entity that owns the policy—often the group itself, such as an employer—rather than the individuals covered. Beneficiaries are those who receive the death benefit upon the passing of the insured, which also does not apply to the definition of the covered individuals themselves.