State RegulationsMI specificDifficulty 1/5
A Michigan employee's group life insurance terminates on May 1 because employment ends. Without evidence of insurability, how long does the employee have to convert to an individual life policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.4438(1)(b) gives a person whose group life coverage terminates 31 days to convert to an individual policy of any customary form except term insurance, in an amount equal to the group coverage at termination, without evidence of insurability. If the insured dies during this 31-day window, the group life benefit is payable even though no individual policy was issued.
Why the other options are wrong
- B) 10 days is the minimum free-look period for individual life policies under M.C.L. 500.4015, not the group conversion deadline.
- C) 6 months is not the conversion window; waiting beyond 31 days forfeits the conversion right.
- D) 2 years relates to the incontestability period under M.C.L. 500.4014, not to the group conversion right.
Memory hook
31 days to convert — the month after the group ends.