What happens when a group life plan is converted in Massachusetts?

When a group life plan is converted in Massachusetts, the new policy does not require evidence of insurability. This means that when an individual moves from a group life insurance policy to an individual policy, they are able to obtain coverage without needing to provide medical information or undergo health assessments. This provision is designed to protect individuals who may have developed health issues while they were part of the group policy, ensuring they can still secure life insurance coverage despite potential changes in their health status.

This flexibility is particularly important as it allows individuals to maintain life insurance protection when transitioning from group coverage, such as after leaving a job or retirement. The absence of a requirement for evidence of insurability makes the conversion process smoother and more accessible for policyholders.

Other aspects such as premium rates and coverage amounts may vary based on the terms set by the insurer, but the key point remains that the process respects the rights of the insured to obtain coverage without the burden of demonstrating their current health condition.