1. When employment ends, a Louisiana group life insured may convert to an individual policy without evidence of insurability by applying and paying within:

31 days

R.S. 22:942(10) requires an individual policy without evidence of insurability if application and first premium are made within thirty-one days after termination.

2. An employee dies 20 days after leaving the job, without having applied to convert the Louisiana group life coverage. The insurer:

Pays the amount that could have been converted

R.S. 22:942(12) makes the convertible amount payable as a claim under the group policy if the person dies during the conversion period, whether or not an application was made.

3. Under Louisiana's group life standard provisions, statements made by persons insured are deemed:

Representations, not warranties

R.S. 22:942(1) requires that all statements by the policyholder or insured persons be deemed representations and not warranties.

4. A Louisiana group life policy may let the insurer pay part of the death benefit to someone who paid the insured's funeral expenses. The maximum such facility payment is:

$250

R.S. 22:942(6) allows the insurer to pay a part not exceeding two hundred fifty dollars to a person equitably entitled because of funeral or last-illness expenses.