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Converting Group Life Insurance

What to Do If You Weren't Given An Opportunity to Convert Coverage

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In almost all cases, if you are losing all or part of your group life insurance coverage, the employer, bank, union, association, or the insurance company itself, is required to notify you of your right to convert the coverage.

If you were not notified of your right to convert, or if you were unable to apply for a converted policy within the specified time frame because you were unable to obtain an application for conversion, you should:

  • Contact the insurance company.
  • Explain the situation.
  • Request in writing an extension of your time to convert your life insurance coverage.

If you are unable to fix the situation, consider contacting the insurance department in your state for assistance. For a list of state insurance departments, see: www.naic.org/state_web_map.htm offsite link.


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