Under Louisiana law, group life insurance conversion privileges must NOT require which of the following?

• A. Medical underwriting
• B. Evidence of insurability
• C. No health questions
• D. Medical exam

Answer: (B)

In Louisiana, the group life insurance conversion privilege is designed so a person can move from a group policy to an individual policy without having to prove they are still insurable. The law specifically prohibits requiring evidence of insurability as a condition of that conversion. This protects the insured from health status affecting their ability to keep or obtain coverage when leaving a group plan, ensuring continuous protection with minimal barriers.

So the item that must NOT be required is evidence of insurability. Medical underwriting or a medical exam would be ways of gathering evidence of insurability, so they would be contrary to this rule. The focus of the rule is to prevent any requirement to prove insurability at the time of conversion.