What group term life feature permits an individual to depart from the group and continue to be covered without providing evidence of insurability?

The feature that allows an individual to leave a group and continue coverage without needing to provide evidence of insurability is known as conversion. This option is essential in group term life insurance because it ensures that individuals who may have health issues or changes in their situation will still have access to life insurance coverage after leaving the group, usually following a specific time frame after separation from employment or the group.

In the conversion process, the individual can convert their group life insurance into an individual policy, often at a higher premium rate based on their age at the time of conversion, but without the risk associated with being underwritten again, which would include a health assessment. This feature provides a significant benefit for those who might otherwise be unable to secure life insurance due to health concerns or other underwriting criteria.

Other options, such as extension or continuation, typically involve different aspects of coverage or eligibility and may not encapsulate the direct shift from a group policy to an individual one without proof of insurability. Renewal generally refers to extending an existing policy rather than converting it to a different type of policy altogether.