In reinstatement, what is typically required to restore a lapsed policy?

• A. Paying back premiums due and providing evidence of insurability.
• B. A full medical exam is always required.
• C. No action is required; reinstatement is automatic.
• D. The policy cannot be reinstated.

Answer: (A)

Reinstatement is the way to revive a policy that has lapsed due to nonpayment. To restore coverage, the insurer typically requires two things: you must pay all premiums that became due during the lapse, and you must provide evidence of insurability to show you still qualify for coverage. The evidence of insurability might be a health questionnaire or a medical exam, depending on the policy and how long it has been lapsed, but it’s a common underwriting step. Reinstatement is not automatic, and there’s usually a designated window after lapse within which you must apply and meet these requirements.