Group insurance constitutes a significant segment of the insurance market, yet it lacks a unified definition at the level of European Union law, including within Directive (EU) 2016/97 (IDD). Member States regulate group insurance differently, and many legal systems do not provide any specific legal framework for this form of insurance. This article presents a historical and legal analysis of the development of group insurance and identifies key legal issues affecting its operation. Particular attention is given to the duty to inform and advise, the process of claiming benefits under group insurance contracts, the determination and payment of premiums, the right to withdraw from group insurance, and the principles of individual continuation of coverage. The analysis demonstrates that addressing these issues is essential for ensuring that group insurance functions as an effective instrument of insurance protection.