Justine wants to convert her employer's group life insurance coverage to an individual policy. By what date must she apply for the conversion?

The correct choice indicates that Justine must apply for the conversion of her employer's group life insurance coverage to an individual policy by March 31. In many group life insurance plans, there is a specified period during which an individual can convert their group coverage after their employment ends or after the employer terminates the group policy. This period often lasts 31 days following the loss of coverage.

In this scenario, if Justine loses her group coverage on March 1, she would need to submit her application for the conversion by March 31, within that 31-day timeframe. This conversion right allows individuals to maintain life insurance coverage without having to provide evidence of insurability, which would typically be required if they were to apply for a new individual policy outside of the conversion process. Hence, understanding the specific time frame for converting group life insurance is essential, especially regarding the deadlines involved.