Shad Burgess InsuranceOHIO & PENNSYLVANIAWork & family protection
Leaving a job in Ohio or Pennsylvania? Check when group life coverage ends, ask about portability or conversion, and compare options before a gap begins.
Use the free family protection checklist →
Workplace life insurance often ends when employment ends. Some plans offer portability or conversion, but neither is automatic. The coverage end date, options, required paperwork and deadlines come from the actual plan and insurer.
Portability may let you continue eligible group coverage while paying for it yourself. Conversion may let you move eligible coverage into an individual permanent policy. Ask HR and the insurer which options apply and how the costs and benefits would change.
What is the exact date my life insurance ends? Does coverage for a spouse or child end too? Can I port or convert any coverage? What forms, payment and deadline apply? Who confirms the continuation is active?
Ask promptly. Do not assume a new employer’s benefit begins on your first day, or that an application by itself keeps insurance active.
Put the actual continuation offer, any new employer plan and available individual coverage side by side. Compare the benefit, premium, coverage period and underwriting requirements. A new individual application may be approved, changed or declined; a quote is not an issued policy.
An existing individual policy generally is not tied to your employment, but premiums and other policy conditions still need to be met. Keep existing coverage while reviewing changes.
Make a private note of your last workday, the coverage end date and the household bills that would continue. Bring the benefits statement to a conversation with Shad Burgess Insurance. Do not send policy numbers, health records or banking information through a public form.
Use the free family protection checklist linked on this page, or choose a quote call with Shad. No purchase is required. This is general education; the plan documents, insurer and applicable rules determine your options.
Progressive: employer life insurance after termination ↗
NAIC: life insurance consumer guidance ↗
Free family protection checklist ↗
Sources checked for this article on 2026-10-26.
Ohio and Pennsylvania readers considering permanent coverage: compare whole life insurance options with Shad.
Term conversion & permanent coverage
A convertible term policy may let you move to permanent coverage without new health underwriting, but deadlines, products, amounts, and premiums depend on the contract.
Read the guide ↗
Policy replacement & consumer protection
Do not cancel an existing life insurance policy while a replacement is still being reviewed. Compare costs, benefits, underwriting, and effective dates first.
Read the guide ↗