State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10209, when an employee's group life insurance terminates and the employee applies to the insurer within 31 days for an individual policy, the individual policy that must be issued:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10209 requires that within 31 days after group coverage terminates, the employee may convert to any individual life policy form customarily issued by the insurer other than term insurance, without producing evidence of insurability. The converted policy may not be term coverage. If the employee dies during the 31-day conversion window before the individual policy takes effect, the death benefit is paid as a claim under the group policy.
Why the other options are wrong
- B) The conversion policy expressly may not be term insurance under Section 10209.
- C) The statute permits any customary permanent form; it does not require variable universal life.
- D) Conversion is issued without evidence of insurability; that is one of its key protections.
Memory hook
Converted policy = permanent, no medical exam, 31-day window. Term is banned from the conversion menu.