When a terminated employee wants to convert group life coverage to an individual policy, how many days do they have?

• A. 31 days
• B. 30 days
• C. 60 days
• D. 90 days

Answer: (D)

When group life coverage ends because you’ve left the job, you still have a chance to maintain life insurance by using the conversion privilege. This lets you move from the group policy to an individual policy without needing to prove your health, but you must act within a set timeframe after termination.

In this scenario, the specified conversion period is 90 days. That means you have up to 90 days from the termination date to apply for an individual policy. During that window, you’ll typically pay premiums based on your attained age at conversion, and underwriting is usually not required. If you miss the 90-day period, you generally lose the right to convert and would need to apply for new life insurance with standard underwriting, which could result in higher premiums or no coverage at all.