When an employee's group life insurance coverage ends, California law (CIC Section 10209) gives the employee how many days to convert to an individual policy without evidence of insurability?

Why A is correct

Under California Insurance Code Section 10209, a covered employee whose group life insurance terminates has 31 days from the date coverage ends to apply for conversion to an individual policy, without evidence of insurability. The conversion policy must be a permanent form of life insurance, not term. If the employee dies during the 31-day conversion window, the death benefit is paid under the group policy as though coverage were still in force. The 31-day privilege is a statutory right, and failure to convert within the window ends the right.

Why the other options are wrong

• B) Ten days relates to the free-look period under Section 10127.9, not to group conversion rights.
• C) Sixty days is the premium grace period under Section 10113.71, not the group conversion window.
• D) Ninety days is not a conversion figure found anywhere in the California Insurance Code.

Memory hook

Group coverage ends, and 31 days remain to convert or lose the chance; see CIC 10209.