Converting a group plan to permanent life insurance requires

• A. the conversion being applied for within 31 days of termination
• B. no medical exam
• C. evidence of insurability
• D. the employer's consent

Answer: (A)

Converting a group term life plan to an individual permanent policy hinges on acting within a specific window after coverage ends. The essential requirement is to apply for the conversion within 31 days of termination. That deadline is what makes this option the correct one, because it establishes the timeframe in which you can obtain continued coverage without proving insurability.

Beyond the timing, group-to-individual conversions are typically designed so you don’t have to provide evidence of insurability, and you usually don’t need the employer’s consent to exercise the conversion right. However, the exam item is specifically asking for the condition that makes the conversion possible, which is the 31-day application window after termination.