According to Louisiana law, group life insurance conversion privileges must NOT

• A. require evidence of insurability
• B. require medical exam
• C. require proof of age
• D. require no evidence of insurability

Answer: (A)

The key idea here is that group life insurance conversion is meant to preserve coverage without imposing new health underwriting. Louisiana law requires that when a person converts a group policy to an individual policy, the insurer must accept the applicant without requiring evidence of insurability. This guarantees continuation of protection even if health has changed since the person joined the group, provided the conversion is done within the allowed timeframe. The resulting individual policy is typically issued at standard rates based on the insured’s attained age, but the health underwriting step is not required at conversion. Requiring evidence of insurability would defeat the purpose of a seamless port of coverage from group to individual.