What is the minimum number of participants required for a debtor group to qualify for group life insurance each year?

The minimum number of participants required for a debtor group to qualify for group life insurance each year is 100. This requirement is designed to ensure that the group is large enough to spread the risk among a sufficient number of individuals, minimizing the impact of loss from any single member's death on the insurance provider.

In group insurance, larger groups tend to result in more favorable terms and lower costs for the insurer and the insured. A group of 100 or more is generally viewed as a stable risk pool, which can allow the insurer to assess overall mortality rates more accurately. Insurance laws often stipulate these minimum participation levels to promote fairness and sustainable insurance practices.

This criterion helps protect both the insurer and the insured by ensuring that the insurance product can be economically viable while providing adequate coverage to members of the group. Therefore, the correct answer that represents this standard requirement in group life insurance is 100 participants.