An employer in Virginia cancels its group life master policy, ending coverage for employees who were insured for years. An employee asks what conversion rights remain. The correct answer under Va. Code § 38.2-3330 is that:

Why A is correct

Va. Code § 38.2-3330's conversion framework reaches the loss of group life coverage however it occurs, including termination of the master policy — not merely an individual employee's departure. The insured employee may convert to an individual policy without evidence of insurability, within the limits the statute imposes on the amount and timing. Distinguishing the triggers of the conversion right is the nuance exam candidates most often miss.

Why the other options are wrong

• B) The conversion right is not confined to job termination; Va. Code § 38.2-3330 also applies when the master policy itself terminates.
• C) Requiring a physical examination contradicts the conversion right's core feature: no evidence of insurability under Va. Code § 38.2-3330.
• D) The conversion right belongs to the insured employee whose coverage ended, not to the employer, under Va. Code § 38.2-3330.

Memory hook

Master policy dies, conversion survives — the employee still converts exam-free.