Election of Optional Insurances
An employee may change his election of Optional Insurance at any time. Any increase in the Optional Amount of Insurance, as a result of such change, is subject to evidence of the insurability (employee) and takes effect on the date Sun Life approves the evidence.
Employees have the opportunity to opt into the following additional insurances:
If an employee's or a spouse's life insurance terminates for any reason other than solely as a result of the employee's request, the employee or the spouse may apply, without evidence of insurability, for an individual life insurance policy on his/her own life, subject to Conditions of Conversion.
Where necessary in order to comply with applicable legislation: If a Child's Life insurance ends or reduces due to the termination of the Employee's insurance, the Employee may apply, without evidence of insurability, for an individual life insurance policy on the Child's life, subject to Conditions Of Conversion.