Your spouse can keep their coverage. It continues from the premium due date after your death, as long as your spouse keeps paying the premiums, and the ownership of the coverage passes to them. Any spouse Major Accident Protection and Child Life & Accident Insurance continues the same way. Or, within 31 days of that premium due date, your spouse can convert the coverage to an individual policy without evidence of insurability.
What happens to my spouse’s coverage if I die?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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