1. An employee covered under an Ohio group life policy leaves the job. To convert to an individual policy without evidence of insurability, the employee must apply and pay the first premium within:

31 days after termination

Ohio Rev. Code 3917.06(H) gives the right to an individual policy without evidence of insurability if application and first premium are made within thirty-one days after termination.

2. When an Ohio group life policy itself terminates, an insured person has a right to convert only if insured under it for at least:

Five years

Ohio Rev. Code 3917.06(I) extends the conversion right on termination of the group policy to persons insured for at least five years before termination.

3. Where active work is a condition of Ohio group life coverage, an insured who becomes totally disabled may continue coverage by paying the required premium for at least:

Six months

Ohio Rev. Code 3917.06(K) requires a provision letting a totally disabled insured continue coverage on a premium-paying basis for a period of six months.

4. Term life insurance provides:

Death protection for a specified period that expires without value

Term insurance pays only if the insured dies within the stated period; if the insured survives, the coverage expires without value.