A California employee's group life insurance coverage terminates when she leaves her job. Under Section 10209, she may convert to an individual policy without evidence of insurability if she applies within:

Why A is correct

Section 10209 gives a terminating group life insured a 31-day conversion privilege: the right to convert to an individual policy without evidence of insurability. The converted policy may NOT be term insurance, and if the insured dies during the 31-day window, the group benefit is still paid. If the employer failed to give 15 days' advance notice of termination, the employee gets an additional 25 days, up to a maximum of 60 days.

Why the other options are wrong

• B) Sixty days is the maximum window only when notice was untimely (31 + 25); the standard privilege is 31 days.
• C) Ten days is a free-look figure, not the conversion window.
• D) Six months does not match the statutory 31-day conversion privilege.

Memory hook

Group conversion = 31 days to swap group coverage for an individual policy, no medical questions. Die inside the window? The group policy still pays.