State RegulationsMA specificDifficulty 3/5
A former group life member in Massachusetts exercises his conversion right. Which statement about the resulting policy is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Conversion under M.G.L. c. 175, § 134(4) and M.G.L. c. 175, § 134A produces an individual life policy: the former group member becomes the policyowner, pays the premiums himself, and obtains the coverage without evidence of insurability. That structural shift — from an employer-owned group certificate to a personally owned individual contract — is the whole point of the conversion right, and it is why the protection survives even after the employment relationship has ended.
Why the other options are wrong
- A) Once coverage converts, the employer is out of the picture; the individual policyowner owns the contract and pays its premiums.
- B) Declining the converted policy for health reasons would nullify the no-evidence-of-insurability guarantee of M.G.L. c. 175, § 134(4).
- C) The converted contract is individual coverage, not a continuation of the employer's group plan under M.G.L. c. 175, § 134A.
Memory hook
Conversion hands the contract to the individual — no health questions asked.