State RegulationsNY specificDifficulty 2/5
An Albany employee's group LIFE insurance ends when her employment terminates. Under N.Y. Ins. Law §3220(a)(6), she may convert to an individual policy by applying within:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under N.Y. Ins. Law §3220(a)(6), a person whose group life coverage ends may convert to an individual policy by applying within 31 days of the qualifying event, without evidence of insurability. The insurer must notify the person of the conversion privilege within 15 days before or after the event. Note the contrast: group health conversion uses a 60-day application period under §3221(e)(1).
Why the other options are wrong
- A) 60 days is the group health conversion application period under §3221(e)(1); this stem involves group life.
- C) 15 days is the insurer's deadline for notifying the person of the conversion privilege under §3220(a)(8), not the application window.
- D) 90 days is the outside cap for late notice under §3220(a)(8), not the application window.
Memory hook
Group life converts in 31 days - no evidence of insurability.