A Michigan employee's group life coverage terminates when employment ends. Within how many days after termination may the employee convert to an individual life policy without evidence of insurability?

Why B is correct

M.C.L. 500.4438(1)(b) gives a terminating group life certificate holder 31 days after termination of group coverage to convert to an individual policy without evidence of insurability, in any customary form except term, in an amount equal to the group coverage at termination. The conversion right exists because the employee losing the group protection should not be penalized for a change of employment, and the no-evidence requirement means the insurer cannot re-underwrite the risk during the window.

Why the other options are wrong

• A) 10 days is the free-look period for individual life policies under M.C.L. 500.4015, not the group conversion window.
• C) The Michigan conversion window is 31 days, not 30 days.
• D) 60 days belongs to other Michigan timing rules, such as when interest begins accruing on delayed claim payments, and has nothing to do with group conversion.

Memory hook

31 days to convert: one day more than a month.