How many days is the conversion period from group life to individual life insurance?

The conversion period from group life insurance to individual life insurance in West Virginia is set at 31 days. During this time frame, an insured individual has the opportunity to convert their group coverage to an individual policy without undergoing additional medical underwriting. This provision exists to ensure that individuals can maintain their life insurance coverage even if they leave the group policy for any reason, such as job loss or retirement.

The importance of this 31-day period lies in its ability to provide a seamless transition of coverage, allowing individuals who may have health concerns to secure individual life insurance without the risk of being denied due to new medical issues.

Understanding this specific time frame is crucial for insured individuals who may rely on their group life insurance as part of their benefits package, as it directly affects their ability to maintain financial protection for themselves and their families following a change in their employment status or group policy.