How long does an individual have to convert a group term life policy upon termination of employment?

When an individual terminates employment and has a group term life insurance policy, they have a specified period to convert that group coverage to an individual permanent policy without undergoing medical underwriting. In Tennessee, the conversion period is typically set at 31 days. This means that after losing group coverage, the individual has one month to convert the policy to ensure they maintain life insurance protection without the need to prove insurability.

The 31-day conversion period is designed to give individuals time to make decisions regarding their life insurance needs after leaving their job while ensuring they remain covered. If they do not complete the conversion within this period, they risk losing their insurance coverage altogether.