Is it strict to buy group insurance because of the underwriting factor of group insurance?

Buying group insurance is not like personal insurance. With strict underwriting procedures, it is much easier to buy group insurance. There is no need to look at the risks of a member of the group, but because the group is a unit, for example, you can buy group accident insurance with reference to industry risks, and you can buy health insurance with reference to the average age and the number of men and women. When buying insurance, you can buy insurance for everyone in the group, saving time and effort.