CJ do you have any insights about this?
Some insurance policies coverage termination on request, some only cover termination when mother’s life is in danger. Even the Catholic church has that one. It would help to know specifically what the policy says.
If the insurer routinely covers termination by request, the purchaser must ask that the language be removed or it stays in. I’ve worked in both environments. The cost of having or not having the coverage is inconsequential.
The HR benefits manager either wasn’t paying attention, or wanted the language left in the policy.