State RegulationsTX specificDifficulty 1/5
Under Texas group life conversion law, what happens to a covered person's access to individual coverage when group life insurance ends because employment terminates?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under TIC 1141.354, the conversion right gives a covered person whose group coverage ends an entitlement to an individual policy issued without evidence of insurability; the right exists precisely because the group underwriting that carried the person no longer applies and the person may by then be uninsurable. The practical consequence is that the right is worthless if the person never learns of it, so the termination notice and the agent's follow-up are what actually convert coverage.
Why the other options are wrong
- B) Requiring a medical examination would defeat the conversion right, which waives evidence of insurability.
- C) The right is personal to the covered person; the employer neither holds nor exercises it.
- D) Coverage does not simply vanish; conversion continues it on an individual basis.
Memory hook
Group coverage ends, individual coverage begins — and no exam is required.