Questions: If an individual has group life insurance through the employer and is terminated, which of the following most accurately describes the insured's situation? A. The policy will automatically be transferred to a similar group policy for the unemployed. B. An identical policy must be issued, through any insurer, at the initial expense of the former employer. C. The insured will have to apply for an individual life insurance policy and provide proof of insurability. D. The same insurer must provide an individual policy without proof of insurability.

The answer is D: The same insurer must provide an individual policy without proof of insurability.

Explanation for each option:

A. The policy will automatically be transferred to a similar group policy for the unemployed.

• This is incorrect. There is no automatic transfer to a group policy for the unemployed. Group life insurance is typically tied to employment, and once employment ends, the group coverage usually ends as well.

B. An identical policy must be issued, through any insurer, at the initial expense of the former employer.

• This is incorrect. There is no requirement for the former employer to issue an identical policy through any insurer at their expense. The responsibility for continuing coverage typically falls on the individual.

C. The insured will have to apply for an individual life insurance policy and provide proof of insurability.

• This is incorrect. While individuals can apply for a new policy, the key aspect of converting group life insurance to an individual policy is that it does not require proof of insurability.

D. The same insurer must provide an individual policy without proof of insurability.

• This is correct. Many group life insurance policies include a conversion option, allowing the insured to convert their group coverage to an individual policy with the same insurer without needing to provide proof of insurability, typically within a specified period after termination.

In summary, when an individual is terminated, they often have the option to convert their group life insurance to an individual policy with the same insurer without needing to provide proof of insurability.