What group term life feature allows an individual to leave the group and still maintain coverage without proof of insurability?

The feature that allows an individual to leave a group and still maintain coverage without proof of insurability is known as conversion. In the context of group term life insurance, conversion provides a critical advantage because it enables an insured individual who is leaving the group—typically due to changing jobs or retirement—to convert their group policy into an individual policy. This conversion occurs without the need for proof of insurability, meaning that the individual does not have to go through the underwriting process or provide health information that might affect their insurability.

This option is important because it protects individuals who may face health issues after leaving the group, ensuring they maintain life insurance coverage. The conversion privilege protects individuals from the risk of becoming uninsurable due to new medical conditions that may arise after they exit the group plan.

In group term life policies, other related terms exist but serve different purposes. Termination refers to the end of the coverage when one leaves the group, continuation typically applies to maintaining coverage under a specific condition for a limited period, and supplementation generally refers to adding additional coverage but does not involve transitioning to individual insurance without proof of insurability. Thus, conversion is the specific feature that addresses the concern of maintaining coverage after leaving a group.