How To Reinstate A Lapsed Life Insurance Policy?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If a policy lapses you must fill out an application for reinstatement and pay all back premiums.  As long as your health hasn't changed there should be no problem.  If the policy is less than a year old you can reinstate by redating with some companies.  You have the policy reissued with a new issue date.  This way you do not have to pay the back premiums.
    Answered on May 30, 2013
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