All of the following statements regarding blanket insurance are correct EXCEPT:

A) some groups may qualify at the discretion of the Superintendent of Insurance.

B) an employer may purchase blanket insurance to cover employees who face exceptional hazards.

C) individual applications or certificates are not required.

D) benefits are payable to a common carrier, school, volunteer fire department, or other approved type of policyholder.

Answer: D) benefits are payable to a common carrier, school, volunteer fire department, or other approved type of policyholder.