Which of the following is a characteristic of conversion from group to permanent life insurance?

Proof of insurability is generally not required when converting from group life insurance to permanent insurance. This is one of the benefits of conversion, allowing individuals to obtain coverage without undergoing medical underwriting, which is typically necessary for new individual policies.

This statement is incorrect as the conversion from group insurance can be made to a permanent life insurance policy, not limited to term insurance. Permanent life insurance is often the desired outcome of conversion, providing lifelong coverage, which is distinct from term insurance that only covers a specified period.

This is misleading because the premium for the new policy will actually be based on the insured's age at the time of conversion, not when they were first covered by the group policy. This means that if the insured is older at the time of conversion, their premiums may reflect that increased age.