A New York employee converts her group life coverage to an individual policy after leaving her employer. Which statement best describes the amount of the converted coverage?

Why A is correct

Under N.Y. Ins. Law §3220(a)(6), (a)(8), the death benefit of the converted policy is the initial amount — essentially the amount of group life coverage the person was entitled to convert when coverage ceased. Because conversion continues existing coverage without evidence of insurability, it is not a vehicle for buying more protection; it preserves what the insured already had. The Superintendent does not set a standard conversion amount by rule, and employers do not renegotiate it downward.

Why the other options are wrong

• B) Conversion does not reopen underwriting or allow an increase — its whole point is continuation of existing coverage without insurability evidence.
• C) The Superintendent of Financial Services regulates insurers generally but does not fix a uniform conversion amount for every case.
• D) No employer-insurer negotiation reduces the converted amount; the conversion right belongs to the individual and tracks the coverage that ended.

Memory hook

Convert what you had: the converted group-life death benefit equals the initial amount — no more, no less.