Questions: When an insured terminates membership in the insured group, the insured can convert to what type of individual life insurance? A. Term life without proof of insurability B. Term life with proof of insurability C. Whole life without proof of insurability D. Whole life with proof of insurability

The answer is C: Whole life without proof of insurability.

Explanation for each option:

A. Term life without proof of insurability - This option is incorrect because typically, group life insurance policies allow for conversion to whole life insurance, not term life insurance, without proof of insurability.

B. Term life with proof of insurability - This option is incorrect because the conversion privilege usually does not require proof of insurability, and the conversion is typically to a whole life policy, not a term life policy.

C. Whole life without proof of insurability - This option is correct. When an insured terminates membership in a group life insurance plan, they are often allowed to convert their group coverage to an individual whole life insurance policy without providing proof of insurability. This is a common feature of group life insurance policies to ensure continued coverage.

D. Whole life with proof of insurability - This option is incorrect because the conversion privilege typically allows for conversion without the need for proof of insurability.

In summary, when an insured leaves a group life insurance plan, they can usually convert their coverage to an individual whole life insurance policy without needing to provide proof of insurability.