Conversion Privilege

You or your spouse may convert his or her Dependent Term Life Insurance policy to an individual life insurance policy without EOI during the first 31 days after group insurance ends:

• if your coverage ends for any reason,
• if they are no longer eligible for Dependent Term Life Insurance coverage, or
• in the event of your death.

If your covered spouse converts to an individual life insurance policy, the premium will cost more than your spouse’s Dependent Term Life Insurance.

Dependent children are not eligible for the conversion privilege.

The individual life insurance policy does not include the Accelerated Life Benefit.