Group term life insurance policies are plans that traditionally are offered by an employer and provide coverage to a group of employees. It is one of the most common benefits offered by an employer in which the employer can provide the employee with a base amount of coverage sometimes at no cost, and the ability for the employee to purchase supplemental term coverage, coverage for their spouse, and children through the convenience of payroll deduction.  Employees must meet eligibility requirements determined by the employer during an initial eligibility period and may elect coverage, designate their beneficiaries, and will receive a plan booklet that signifies their proof of coverage. If an employee decides to leave the employer or is no longer eligible, the employee can either port their coverage and take it with them assuming all premium payments or convert their coverage to a permanent insurance plan offered by the insurer with no underwriting.