Conversion, Turns group policy into WHOLE LIFE policy, Portability, Turns group policy into TERM LIFE policy, Maximum Benefit, The highest amount an employee will receive, EOI, Proves the employee is insurable, Waiting Period, Time needed to pass before employee can be on the plan, Reduction Schedule, An age based tool used to limit exposure on older employees, Waiver of Premium, Protects disabled employees/terminal liability, Guarantee Issue, Risk mitigation tool requiring EOI over a specific threshold.

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