What kind of coverage can be described as typically "continuing" without individual assessment?

Group coverage is designed to provide insurance benefits to a large number of individuals under a single contract, often without requiring specific assessments for each individual member of the group. This type of coverage typically involves a policyholder, such as an employer or an association, who purchases a plan that extends to all eligible members without the need for each person to undergo an individual underwriting process.

Because it encompasses multiple insureds and often has standardized terms and conditions, group coverage is referred to as "continuing." It simplifies the administrative process and reduces costs for both the insurer and the insured by evaluating the risk of the group as a whole rather than assessing individual risk profiles. Thus, it remains effective as long as the group remains covered under the policy.