A group life insurance plan participant who has been covered under the plan for 4 years terminates employment on October 1. On October 22 she dies without having made a decision whether to convert her group coverage to an individual policy. What action will the insurer take?

A) Assume that the deceased employee would have elected the conversion option and pay the death benefit without regard for the deceased employee's insurability prior to death
B) No action, because the employee had not elected the conversion option
C) Underwrite the deceased employee to determine if she would have been insurable and, if so, pay the death benefit to the beneficiary
D) Underwrite the deceased employee to determine if she would have been insurable and, if so, give the beneficiary the option of exercising the conversion privilege and buying a policy on his life

Ans: A) Assume that the deceased employee would have elected the conversion option and pay the death benefit without regard for the deceased employee's insurability prior to death