A Texas employee insured under an employer's group life policy leaves the job and her coverage under the group ends. Regarding the group life conversion privilege, which statement is correct?

Why B is correct

Under TIC 1141.354, a person whose group life coverage terminates because employment or membership in the eligible class ends, or because the master policy terminates or is amended to end coverage for that class, is entitled to an individual policy on any form then customarily issued by the insurer for conversions, issued without evidence of insurability at the premium applicable to the class and attained age. Practically, this lets a Texas insured who has become uninsurable keep life insurance in force after leaving the group.

Why the other options are wrong

• A) is wrong because the whole point of the conversion privilege under TIC 1141.354 is that no evidence of insurability may be required.
• C) is wrong because consent of the employer or policyholder is not a condition of the conversion right; the privilege belongs to the insured individual, not to the policyholder.
• D) is wrong because conversion is triggered by the loss of coverage or eligibility, not by the employer changing carriers; replacement of the group policy is neither required nor the only trigger.

Memory hook

Conversion: coverage ends, insurability never asked.