An employer in Columbus terminates its group life policy entirely. A member who was insured under the group policy for at least 5 years wants to convert. What amount may she convert, and on what underwriting basis?

Why D is correct

ORC 3917.06(I) gives persons insured under a group life policy for at least 5 years a conversion right when the group policy terminates or is amended. They may convert without evidence of insurability up to the lesser of the amount ceasing (less other group life coverage effective within 31 days) or $10,000. This long-tenured member therefore converts the capped amount with no health underwriting at all.

Why the other options are wrong

• A) The amount is capped at $10,000 for a group-policy termination conversion, and ORC 3917.06(I) requires no evidence of insurability for these long-insured members.
• B) The limit is the lesser of the amount ceasing or $10,000, not an automatic flat $10,000, and no evidence of insurability is needed.
• C) The amount formula is right, but ORC 3917.06(I) removes the evidence-of-insurability requirement for members insured at least 5 years.

Memory hook

5 years in the group, convert the lesser of lost amount or $10,000, no exam.