In the context of group life insurance, which of the following would qualify as a "dependent child"?

In the context of group life insurance, a "dependent child" typically refers to a child who relies on the insured employee for financial support and meets specific eligibility criteria defined by the insurance policy. The correct answer highlights a child over the age of 18 who is actively attending an educational institution and continues to rely on the insured employee for support. This is significant as it aligns with the common definitions used in group life insurance policies, which often extend coverage to dependents pursuing higher education until a certain age, usually 23 or 24. This definition ensures that the insurance provides support to children who are still in the process of education and typically financially dependent on their parents or guardians.

In contrast, the other scenarios do not fit the definition of dependent children as well. An employed 22-year-old, while financially reliant, may not meet the insurance criteria of being a dependent. A 27-year-old child living at home, regardless of their living situation, likely exceeds the age limit for dependency in many group life insurance policies. Lastly, a married child over the age of 26 typically does not qualify as a dependent, as marriage implies financial independence and alters the definition of dependency under most insurance guidelines. Thus, the scenario indicating a child who is both in