{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3332.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3332.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3332.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3332.html"}],"law_id":73575,"edition_id":1,"section_id":73575,"structure_id":14882,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","history":"1960, c. 273, \u00a7 38.1-428.1; 1986, c. 562.","full_text":"Each group life insurance policy shall contain a provision that if the insurance, or any portion of it, on a person covered under the policy, other than a minor child insured pursuant to \u00a7 38.2-3323, ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy, the person shall be entitled to have the insurer issue him without evidence of insurability an individual policy of life insurance, without disability or other supplementary benefits, subject to the following:\n\n1\n\nApplication for the individual policy shall be made, and the first monthly or other mutually agreeable modal premium paid to the insurer, within thirty-one days after the termination;2\n\nThe individual policy shall at the option of the person be on any one of the forms, except term insurance, then customarily issued by the insurer, subject to the insurer’s customary age and amount requirements for the forms;3\n\nThe amount of the individual policy shall not exceed the amount of terminated group life insurance less the amount of any group life insurance that the person is or becomes eligible for within thirty-one days after the termination. Any amount of insurance maturing on or before the date of the termination as an endowment payable to the person insured, whether in one sum, installments or in the form of an annuity, shall not be included in the amount of terminated group life insurance; and4\n\nThe premium on the individual policy shall be at the insurer’s then current rate applicable to the form and amount of the individual policy, to the class of risk to which the person then belongs, and to the person’s age on the effective date of the individual policy.","order_by":null,"text":{"0":{"id":264688,"text":"Each group life insurance policy shall contain a provision that if the insurance, or any portion of it, on a person covered under the policy, other than a minor child insured pursuant to \u00a7 38.2-3323, ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy, the person shall be entitled to have the insurer issue him without evidence of insurability an individual policy of life insurance, without disability or other supplementary benefits, subject to the following:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":264689,"text":"Application for the individual policy shall be made, and the first monthly or other mutually agreeable modal premium paid to the insurer, within thirty-one days after the termination;","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":264690,"text":"The individual policy shall at the option of the person be on any one of the forms, except term insurance, then customarily issued by the insurer, subject to the insurer’s customary age and amount requirements for the forms;","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1","next_prefix":"3"},"3":{"id":264691,"text":"The amount of the individual policy shall not exceed the amount of terminated group life insurance less the amount of any group life insurance that the person is or becomes eligible for within thirty-one days after the termination. Any amount of insurance maturing on or before the date of the termination as an endowment payable to the person insured, whether in one sum, installments or in the form of an annuity, shall not be included in the amount of terminated group life insurance; and","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2","next_prefix":"4"},"4":{"id":264692,"text":"The premium on the individual policy shall be at the insurer’s then current rate applicable to the form and amount of the individual policy, to the class of risk to which the person then belongs, and to the person’s age on the effective date of the individual policy.","type":"section","prefixes":["4"],"prefix":"4","entire_prefix":"4","prefix_anchor":"4","level":1,"prior_prefix":"3"}},"ancestry":[{"id":14882,"edition_id":1,"name":"Group Life Insurance Policies","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13164,"metadata":{},"date_created":"2026-06-26 03:50:32","date_modified":"2026-06-26 03:50:32","permalink":{"id":214707,"object_type":"structure","relational_id":14882,"identifier":"2","token":"38.2\/33\/2","url":"\/38.2\/33\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13164,"edition_id":1,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214627,"object_type":"structure","relational_id":13164,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81796,"structure_id":14882,"section_number":"38.2-3318","catch_line":"Repealed","url":"\/38.2-3318\/","token":"38.2\/33\/2\/38.2-3318","metadata":false},{"id":72251,"structure_id":14882,"section_number":"38.2-3318.1","catch_line":"Group life insurance requirements","url":"\/38.2-3318.1\/","token":"38.2\/33\/2\/38.2-3318.1","metadata":false},{"id":56826,"structure_id":14882,"section_number":"38.2-3319","catch_line":"Repealed","url":"\/38.2-3319\/","token":"38.2\/33\/2\/38.2-3319","metadata":false},{"id":61497,"structure_id":14882,"section_number":"38.2-3319.1","catch_line":"Limits of group life insurance","url":"\/38.2-3319.1\/","token":"38.2\/33\/2\/38.2-3319.1","metadata":false},{"id":59025,"structure_id":14882,"section_number":"38.2-3319.2","catch_line":"Review of records","url":"\/38.2-3319.2\/","token":"38.2\/33\/2\/38.2-3319.2","metadata":false},{"id":76112,"structure_id":14882,"section_number":"38.2-3320","catch_line":"Repealed","url":"\/38.2-3320\/","token":"38.2\/33\/2\/38.2-3320","metadata":false},{"id":84493,"structure_id":14882,"section_number":"38.2-3320.1","catch_line":"Policies issued outside of the Commonwealth of Virginia","url":"\/38.2-3320.1\/","token":"38.2\/33\/2\/38.2-3320.1","metadata":false},{"id":57879,"structure_id":14882,"section_number":"38.2-3321","catch_line":"Repealed","url":"\/38.2-3321\/","token":"38.2\/33\/2\/38.2-3321","metadata":false},{"id":75114,"structure_id":14882,"section_number":"38.2-3321.1","catch_line":"Requirements for those marketing group life insurance","url":"\/38.2-3321.1\/","token":"38.2\/33\/2\/38.2-3321.1","metadata":false},{"id":84150,"structure_id":14882,"section_number":"38.2-3322","catch_line":"Repealed","url":"\/38.2-3322\/","token":"38.2\/33\/2\/38.2-3322","metadata":false},{"id":59222,"structure_id":14882,"section_number":"38.2-3322.1","catch_line":"Regulations","url":"\/38.2-3322.1\/","token":"38.2\/33\/2\/38.2-3322.1","metadata":false},{"id":83887,"structure_id":14882,"section_number":"38.2-3322.2","catch_line":"Lives covered","url":"\/38.2-3322.2\/","token":"38.2\/33\/2\/38.2-3322.2","metadata":false},{"id":79808,"structure_id":14882,"section_number":"38.2-3323","catch_line":"Group life insurance coverages of spouses, dependent children, and other persons","url":"\/38.2-3323\/","token":"38.2\/33\/2\/38.2-3323","metadata":false},{"id":77746,"structure_id":14882,"section_number":"38.2-3324","catch_line":"Standard provisions required; exceptions","url":"\/38.2-3324\/","token":"38.2\/33\/2\/38.2-3324","metadata":false},{"id":71152,"structure_id":14882,"section_number":"38.2-3325","catch_line":"Grace period","url":"\/38.2-3325\/","token":"38.2\/33\/2\/38.2-3325","metadata":false},{"id":67833,"structure_id":14882,"section_number":"38.2-3326","catch_line":"Incontestability","url":"\/38.2-3326\/","token":"38.2\/33\/2\/38.2-3326","metadata":false},{"id":70998,"structure_id":14882,"section_number":"38.2-3327","catch_line":"Entire contract; statements deemed representations","url":"\/38.2-3327\/","token":"38.2\/33\/2\/38.2-3327","metadata":false},{"id":73714,"structure_id":14882,"section_number":"38.2-3328","catch_line":"Evidence of individual insurability","url":"\/38.2-3328\/","token":"38.2\/33\/2\/38.2-3328","metadata":false},{"id":74239,"structure_id":14882,"section_number":"38.2-3329","catch_line":"Misstatement of age","url":"\/38.2-3329\/","token":"38.2\/33\/2\/38.2-3329","metadata":false},{"id":74735,"structure_id":14882,"section_number":"38.2-3330","catch_line":"Payment of benefits","url":"\/38.2-3330\/","token":"38.2\/33\/2\/38.2-3330","metadata":false},{"id":81154,"structure_id":14882,"section_number":"38.2-3331","catch_line":"Individual certificates","url":"\/38.2-3331\/","token":"38.2\/33\/2\/38.2-3331","metadata":false},{"id":73575,"structure_id":14882,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","url":"\/38.2-3332\/","token":"38.2\/33\/2\/38.2-3332","metadata":false},{"id":63366,"structure_id":14882,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","url":"\/38.2-3333\/","token":"38.2\/33\/2\/38.2-3333","metadata":false},{"id":80545,"structure_id":14882,"section_number":"38.2-3334","catch_line":"Death after termination of group insurance and before issuance of individual policy","url":"\/38.2-3334\/","token":"38.2\/33\/2\/38.2-3334","metadata":false},{"id":69882,"structure_id":14882,"section_number":"38.2-3335","catch_line":"Additional persons becoming eligible","url":"\/38.2-3335\/","token":"38.2\/33\/2\/38.2-3335","metadata":false},{"id":74096,"structure_id":14882,"section_number":"38.2-3336","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3336\/","token":"38.2\/33\/2\/38.2-3336","metadata":false},{"id":77526,"structure_id":14882,"section_number":"38.2-3337","catch_line":"Assignment","url":"\/38.2-3337\/","token":"38.2\/33\/2\/38.2-3337","metadata":false},{"id":70437,"structure_id":14882,"section_number":"38.2-3338","catch_line":"Provisions prohibited","url":"\/38.2-3338\/","token":"38.2\/33\/2\/38.2-3338","metadata":false},{"id":80534,"structure_id":14882,"section_number":"38.2-3339","catch_line":"Exemption of group life insurance policies from legal process","url":"\/38.2-3339\/","token":"38.2\/33\/2\/38.2-3339","metadata":false}],"previous_section":{"id":81154,"structure_id":14882,"section_number":"38.2-3331","catch_line":"Individual certificates","url":"\/38.2-3331\/","token":"38.2\/33\/2\/38.2-3331","metadata":false},"next_section":{"id":63366,"structure_id":14882,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","url":"\/38.2-3333\/","token":"38.2\/33\/2\/38.2-3333","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3332\/","history_text":"

This law was first created in 1960. The record of its establishment is cataloged in chapter 273 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1960 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 1986, chapter 562.<\/p>","references":[{"id":77746,"section_number":"38.2-3324","catch_line":"Standard provisions required; exceptions","order_by":null,"url":"\/38.2-3324\/"},{"id":81154,"section_number":"38.2-3331","catch_line":"Individual certificates","order_by":null,"url":"\/38.2-3331\/"},{"id":63366,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","order_by":null,"url":"\/38.2-3333\/"},{"id":80545,"section_number":"38.2-3334","catch_line":"Death after termination of group insurance and before issuance of individual policy","order_by":null,"url":"\/38.2-3334\/"}],"refers_to":[{"id":79808,"section_number":"38.2-3323","catch_line":"Group life insurance coverages of spouses, dependent children, and other persons","order_by":null,"url":"\/38.2-3323\/"}],"permalink":{"id":214793,"object_type":"law","relational_id":73575,"identifier":"38.2-3332","token":"38.2\/33\/2\/38.2-3332","url":"\/38.2-3332\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3332\/","token":"38.2\/33\/2\/38.2-3332","dublin_core":{"Title":"Right to individual policy upon termination of employment or membership","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3332","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Each group life insurance<\/span> policy shall contain a provision that if the insurance<\/span>, or any portion of it, on a person<\/span> covered under the policy, other than a minor<\/span> child insured pursuant to \u00a7 38.2-3323<\/a>, ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy, the person<\/span> shall be entitled to have the insurer<\/span> issue<\/span> him without evidence<\/span> of insurability an individual policy of life insurance<\/span>, without disability or other supplementary benefits, subject to the following:<\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Application for the individual policy shall be made, and the first monthly or other mutually agreeable modal premium paid to the insurer<\/span>, within thirty-one days after the termination; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> The individual policy shall at the option of the person<\/span> be on any one of the forms, except term insurance<\/span>, then customarily issued by the insurer<\/span>, subject to the insurer<\/span>’s customary age and amount requirements for the forms; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> The amount of the individual policy shall not exceed the amount of terminated group life insurance<\/span> less the amount of any group life insurance<\/span> that the person<\/span> is or becomes eligible for within thirty-one days after the termination. Any amount of insurance<\/span> maturing on or before the date of the termination as an endowment payable to the person<\/span> insured, whether in one sum, installments or in the form of an annuity, shall not be included in the amount of terminated group life insurance<\/span>; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> The premium on the individual policy shall be at the insurer<\/span>’s then current rate<\/span> applicable to the form and amount of the individual policy, to the class of risk to which the person<\/span> then belongs, and to the person<\/span>’s age on the effective date of the individual policy. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nRIGHT TO INDIVIDUAL POLICY UPON TERMINATION OF EMPLOYMENT OR MEMBERSHIP (\u00a7\n38.2-3332)\n\nEach group life insurance policy shall contain a provision that if the\ninsurance, or any portion of it, on a person covered under the policy, other\nthan a minor child insured pursuant to \u00a7 38.2-3323, ceases because of\ntermination of employment or of membership in the class or classes eligible for\ncoverage under the policy, the person shall be entitled to have the insurer\nissue him without evidence of insurability an individual policy of life\ninsurance, without disability or other supplementary benefits, subject to the\nfollowing:\n\n1. Application for the individual policy shall be made, and the first monthly or\nother mutually agreeable modal premium paid to the insurer, within thirty-one\ndays after the termination;\n\n2. The individual policy shall at the option of the person be on any one of the\nforms, except term insurance, then customarily issued by the insurer, subject to\nthe insurer’s customary age and amount requirements for the forms;\n\n3. The amount of the individual policy shall not exceed the amount of terminated\ngroup life insurance less the amount of any group life insurance that the person\nis or becomes eligible for within thirty-one days after the termination. Any\namount of insurance maturing on or before the date of the termination as an\nendowment payable to the person insured, whether in one sum, installments or in\nthe form of an annuity, shall not be included in the amount of terminated group\nlife insurance; and\n\n4. The premium on the individual policy shall be at the insurer’s then\ncurrent rate applicable to the form and amount of the individual policy, to the\nclass of risk to which the person then belongs, and to the person’s age on\nthe effective date of the individual policy.\n\nHISTORY: 1960, c. 273, \u00a7 38.1-428.1; 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}