What type of life insurance policy is typically provided at no cost to employees?

Group life insurance is typically provided at no cost to employees as a part of their benefits package. This type of insurance covers a group of people, often employees of a company, under a single policy. The employer usually pays the premiums on behalf of the employees, making it a cost-effective option for both the employer and the employees.

One of the key features of group life insurance is that it usually does not require individual medical underwriting, which means that employees can obtain coverage without having to provide their medical history or undergo health evaluations. This makes it very accessible.

In contrast, policies like universal life, whole life, and term life insurance are often purchased individually. While term life insurance can sometimes be offered through group plans, it's generally not cost-free and must be purchased separately if provided. Whole life and universal life policies typically require premiums paid by the insured and are designed to build cash value over time, which is different from the primary purpose of group life insurance.

Thus, group life insurance is distinguished by its zero-cost feature to employees, making it the correct answer.