Arkansas Life and Health Insurance Practice Exam

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Must offer insureds covered under a group insurance policy the opportunity to either continue or convert their coverage?

  1. Insured maintains same premium

  2. Insurance provider extends coverage automatically

  3. No requirement exists

  4. The insured can submit written proof of the loss

The correct answer is: Insured maintains same premium

In Arkansas, individuals covered under a group insurance policy must be offered the opportunity to either continue or convert their coverage if certain conditions are met. This provision ensures that individuals have the option to maintain their coverage, often at the same premium rates, even if they leave the group or the group policy terminates. This helps protect individuals from losing their insurance coverage unexpectedly.

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