If, at the time your policy lapses, you’re eligible to apply for reinstatement of your policy, you will receive a letter informing you of the amount needed to reinstate your policy and an application to request reinstatement. Your application must be returned to us along with payment of the amount due. This amount due will cover the next two monthly charges after the payment is received.
If your application for reinstatement is approved, you will need to pay your planned premium payments, and you may also need to increase your premium payments and/or reduce your amount of life insurance to retain your coverage. If your application for reinstatement is not approved or is incomplete, the amount paid for reinstatement will be refunded.
If you have misplaced this information, please contact us to learn about your current eligibility and the requirements to reinstate your coverage.