How long does G have to convert his group life insurance coverage to an individual policy after termination?

In Louisiana, when an individual’s group life insurance coverage terminates, they are given a specified period during which they can convert their group policy into an individual life insurance policy without needing to provide evidence of insurability. This conversion privilege is an important consumer protection feature that ensures individuals can maintain their life insurance coverage even after losing their group policy.

The timeframe allowed for this conversion is established by Louisiana law and mandates that individuals must take action within 31 days following the termination of their group coverage. This period is designed to provide ample time for the individual to make decisions regarding their insurance options and to secure continuous coverage, thus avoiding any potential gaps that could occur in their life insurance protection.

The choice that indicates a 31-day window aligns with this legal provision, making it the correct answer. Understanding this rule helps individuals know their rights and options when their coverage changes, ensuring they remain protected according to state laws.