In the event of the death of an employee during the conversion period to an individual policy, which policy is valid for the claim?

When an employee dies during the conversion period to an individual policy, the claim is handled under the group policy because the individual policy has not yet gone into effect. The conversion period allows an employee to convert their group life insurance coverage to an individual policy without providing evidence of insurability, but this process does not complete until the individual policy is issued. If the death occurs before the individual policy is finalized, the group policy remains the governing contract for coverage and claims. Thus, the valid claim would be processed under the terms of the existing group policy, ensuring that beneficiaries receive benefits as intended during this transition period.