Final answer:
An employee has 31 days after termination to convert group life insurance coverage to an individual policy, which provides sufficient time to make an informed decision without experiencing a lapse in coverage.
Step-by-step explanation:
When an employee is terminated, they typically have a window during which they can convert their group life insurance coverage to an individual policy without evidence of insurability. The correct answer to how many days upon termination an employee has to convert group life insurance coverage to an individual policy is D. 31 days. Employers provide this grace period to ensure the terminated individual has adequate time to make decisions regarding their life insurance without a lapse in coverage.