1. Under RSA 408:14, group life insurance issued to a creditor on its debtors may provide an amount of insurance on each debtor of no more than:

The greater of the scheduled or actual unpaid debt

RSA 408:14, II(c) limits creditor group life on any debtor to the greater of the scheduled or actual amount of unpaid indebtedness.

2. When a New Hampshire employer pays the entire premium for group life insurance (noncontributory), the policy must insure:

All eligible employees, except those failing evidence of insurability

RSA 408:14, I(b) provides that a policy with no employee contributions shall insure all eligible employees, or all except any whose evidence of insurability is unsatisfactory.

3. Before New Hampshire group life may be issued to a group not specifically listed in RSA 408:14 (a discretionary group), the Commissioner must find, among other things, that:

Issuance would produce economies of acquisition or administration

RSA 408:14, VII requires findings that issuance is not contrary to the public interest, results in economies of acquisition or administration, and that benefits are reasonable in relation to premiums.

4. When an employee's pay stops because of a strike in New Hampshire, the employee may keep group life coverage by paying premiums to the policyholder for up to:

6 months

RSA 408:17 allows the employee to pay group life premiums directly to the policyholder for up to 6 months during a strike, lockout, or other labor dispute, then convert if coverage is no longer available.