State RegulationsFL specificDifficulty 3/5
Which statement about Florida group life conversion rights is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, the conversion privilege exists to protect departing members who might otherwise be uninsurable: the individual policy is issued without evidence of insurability. It is not conditioned on being fired for cause, and it does not preserve group pricing - the converted policy is individually priced, which is why healthy members often shop elsewhere while members with health issues convert.
Why the other options are wrong
- B) No medical underwriting is required; requiring an exam would defeat the privilege's purpose.
- C) The right arises from termination of coverage for any reason, not only dismissal for cause.
- D) Group rates do not follow the member; the converted individual policy carries its own premium.
Memory hook
Convert without an exam - the lifeline for the unhealthy.