1. An employee whose New Jersey group life coverage ends because employment terminated may convert to an individual policy without evidence of insurability by applying and paying the first premium within:

31 days after termination

The conversion right requires application and first premium within 31 days after termination; no evidence of insurability is required.

2. If an insured is not told of the group life conversion right at least 15 days before the conversion period ends, New Jersey gives the person an additional period that may not extend beyond:

60 days after the original period expires

The additional period expires 15 days after notice is given but in no event more than 60 days after the original period expires.

3. A New Jersey group life policy must give the policyholder a grace period for premiums after the first of:

31 days

Group life policies must contain a 31-day grace period during which the death benefit coverage continues, unless the policyholder gives advance written notice of discontinuance.

4. A New Jersey group life policy may not be contested, except for nonpayment of premium, after it has been in force for:

2 years from its date of issue

The group policy must provide that its validity cannot be contested, except for nonpayment, after two years from its date of issue.