Some employers allow their employees to put together their own supplementary benefits package, within a certain budget. This allows you to choose the benefits that are most important to you, hence the term 'cafeteria plan'.
A group insurance too can work on the same cafeteria plan principle. Your employer can offer you a certain freedom of choice in defining the various risk guarantees (such as death-in-service or disability coverage).
You can for example choose to use your group insurance premiums primarily to save as much as possible for retirement (Life capital), or to make sure your beneficiaries receive an additional amount if you die before you retire (Death-in-service capital). Also, you can sometimes choose whether to invest the profit-sharing in higher risk branch 23 funds (without guaranteed return), or in a branch 21 product with a guaranteed return.