A Hawaii group life insurance policyholder fails to pay a premium when due.

C. 30 days is correct. Hawaiʻi's statutory group life insurance provisions require a group policy to provide the policyholder with a grace period of not fewer than thirty days for payment of premiums due after the first premium. During that grace period, death-benefit coverage generally remains in force unless the policyholder previously gave the insurer written notice of discontinuance in accordance with the policy. Hawaiʻi's legislative text establishing the standard group life provisions states this thirty-day minimum expressly.

The insurer may make the policyholder responsible for a pro rata premium for the period during which coverage continues in force during the grace period. The provision protects insured group members from an immediate loss of death-benefit coverage solely because the group policyholder's premium payment is temporarily overdue.

A grace period is different from a free-look provision. A free look gives a new purchaser an opportunity to review and return a newly issued contract. A grace period concerns late premium payment after coverage is already in effect .

Ten and fifteen days do not satisfy the statutory group-life minimum. Sixty days exceeds the required minimum and is not the standard period tested.

Reference topics: HRS §431:10D-213; Group Life Standard Provisions; Grace Period; Premium Payment.

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