If a group term life policy is converted, how many days does the insured have post-employment to make the conversion?

When a group term life policy is converted, the insured is allowed a specified period of time to convert their coverage to an individual policy after leaving their employment. In Tennessee, this duration is established to ensure that individuals who have relied on group insurance for coverage do not face a gap in their life insurance protection due to employment changes.

The correct answer indicates that the insured has 31 days post-employment to initiate this conversion process. This timeframe allows individuals to secure individual coverage without needing to provide evidence of insurability, which can be crucial for those who may experience health changes after leaving their job.

Understanding the conversion process and the associated timeframe is important for individuals to maintain their life insurance coverage and avoid potential complications that could arise from lapses in insurance protection immediately following employment termination.