What is the maximum conversion period for an insured under a Group Life policy who has resigned?

The maximum conversion period for an insured individual who has resigned from their employment and holds a Group Life policy is 31 days. This means that once the individual’s coverage under the group policy ceases due to resignation, they have a 31-day window to convert their group life insurance into an individual policy without providing evidence of insurability.

This provision is intended to protect individuals by allowing them to continue their life insurance coverage after leaving a group plan, ensuring that they have time to secure their finances without risking a gap in their life insurance protection. The 31-day conversion period is standard across many states, including West Virginia, and emphasizes the importance of timely action to maintain insurance coverage after employment changes.

While longer conversion periods may exist in certain circumstances or for specific policies, the typical and legally defined maximum duration for individual conversion under state law is 31 days in this context.