1. An employee covered by group life insurance in North Dakota terminates employment. To convert to an individual policy without evidence of insurability, the employee must apply and pay the first premium within:

31 days after termination

N.D.C.C. 26.1-33-11(9) gives a conversion right without evidence of insurability if application and first premium are made within thirty-one days.

2. A North Dakota group life insured terminates employment and dies 20 days later without having applied to convert. The insurer will:

Pay the convertible amount under the group policy

N.D.C.C. 26.1-33-11(11) makes the amount the insured could have converted payable as a group claim if death occurs during the conversion period.

3. Premiums for an individual policy obtained through a North Dakota group life conversion are based on:

The insured's attained age and risk class

N.D.C.C. 26.1-33-11(9)(c) bases the conversion premium on the insurer's customary rate for the form, amount, class of risk, and attained age.

4. When active work is a condition of North Dakota group life coverage, a totally disabled insured may continue coverage by paying the employee share of premium for up to:

Six months from the start of disability

N.D.C.C. 26.1-33-11(12) requires continuation during total disability on a premium-paying basis for six months, subject to earlier approval under a disability provision or plan discontinuance.