A California employee with $80,000 of group term life coverage is terminated. Under the standard group conversion right, the converted INDIVIDUAL policy:

Explanation

Under California Insurance Code §10209 and the standard group life conversion provision, a terminating employee may convert group life coverage to an individual permanent policy (whole life, universal life, etc.) — but NOT to another term policy — issued by the same insurer, generally without proving insurability, provided the application and first premium are submitted within 31 days of termination. The face amount cannot exceed the group amount being lost. Option A is incorrect — conversion is to an individual policy, generally permanent, not group. Option B — supplemental riders are not guaranteed on conversion. Option D — the entire purpose of the conversion right is to bypass a new medical exam, making coverage available even to uninsurable workers.