In individual policies, if a person loses coverage due to a change in marital status, that person shall be issued a policy which the insurer is then issuing which most nearly approximates the coverage of the policy which was in effect prior to the change in marital status. The new policy will be issued without evidence of insurability and will have the same effective date as the policy under which coverage was afforded prior to the change in marital status. Provided, however, as respects insurance other than life, accident, and health, the inception date of the policy issued to provide continuity of coverage need not precede the earliest date required to maintain such continuity, and such policy shall have the same expiration date as the policy under which coverage was issued prior to the change in marital status except that the insurer and insured may agree on a later expiration date.