                                 CODE OF VIRGINIA

GROUP LIFE INSURANCE COVERAGES OF SPOUSES, DEPENDENT CHILDREN, AND OTHER PERSONS
(§ 38.2-3323)

A. Coverage under a group life insurance policy, except a policy issued pursuant
to § 38.2-3318.1 B, may be extended to insure:

   1. The spouse and any child who is under the age of 19 years or who is a
   dependent and a full-time student under 25 years of age, or any class of
   spouses and dependent children, of each insured group member who so elects;
   and

   2. Any other person in whom the insured group member has an insurable interest
   as defined in &#xA7;&#xA7; 38.2-301 and 38.2-302 as may mutually be agreed
   upon by the insurer and the group policyholder.
   				The amount of insurance on the life of a spouse, child, or other person
   shall not exceed the amount of insurance for which the insured group member is
   eligible.

B. A spouse insured under this section shall have the same conversion right to
the insurance on his or her life as the insured group member.

C. Notwithstanding the provisions of &#xA7; 38.2-3331, one certificate may be
issued for each insured group member if a statement concerning any
spouse&#8217;s, dependent child&#8217;s, or other person&#8217;s coverage is
included in the certificate.

D. In addition to the coverages afforded by the provisions of this section, any
such plan for group life insurance which includes coverage for children shall
afford coverage to any child who is both (i) incapable of self-sustaining
employment by reason of intellectual or physical disability and (ii) chiefly
dependent upon the employee for support and maintenance. Upon request of the
insurer, proof of incapacity and dependency shall be furnished to the insurer by
the insured group member within 31 days of the child&#8217;s attainment of the
specified age. Subsequent proof may be required by the insurer but not more
frequently than annually after the two-year period following the child&#8217;s
attainment of the specified age. The insurer shall be allowed to charge a
premium at the insurer&#8217;s then customary rate applicable to such group
policy for such extended coverage.

E. 1. Upon termination of such group coverage of a child, the child shall be
entitled to have issued to him by the insurer, without evidence of insurability,
an individual life insurance policy without disability or other supplementary
benefits, if:
			a. An application for the individual policy is made, and the first premium
paid to the insurer, within 31 days after such termination; and
			b. The individual policy, at the option of such person, is on any one of the
forms then customarily issued by the insurer at the age and for the amount
applied for, except that the group policy may exclude the option to elect term
insurance;
			c. The individual policy is in an amount not in excess of the amount of life
insurance which ceases because of such termination, less the amount of any life
insurance for which such person becomes eligible under the same or any other
group policy within 31 days after such termination, provided that any amount of
insurance which has matured on or before the date of such termination as an
endowment payable to the person insured, whether in one sum or in installments
or in the form of an annuity, shall not, for the purposes of this provision, be
included in the amount which is considered to cease because of such termination;
and
			d. The premium on the individual policy is at the insurer&#8217;s then
customary rate applicable to the form and amount of the individual policy, to
the class of risk to which such person then belongs, and to the individual age
attained on the effective date of the individual policy.

   2. Subject to the same conditions set forth above, the conversion privilege
   shall be available (i) to a surviving dependent, if any, at the death of the
   group member, with respect to the coverage under the group policy which
   terminates by reason of such death, and (ii) to the dependent of the group
   member upon termination of coverage of the dependent, while the group member
   remains insured under the group policy, by reason of the dependent ceasing to
   be a qualified family member under the group policy.

HISTORY: 1960, c. 272, § 38.1-472.1; 1976, c. 111; 1980, c. 110; 1984, c. 364;
1985, c. 28; 1986, c. 562; 1995, c. 259; 1998, c. 154; 2010, cc. 227, 374; 2012,
cc. 476, 507; 2023, cc. 148, 149.