B. Policy Riders, Provisions, Options and Exclusions-Reinstatement Provision

Must furnish evidence of insurability

Reinstatement Provision

Must pay all back premiums plus interest

Reinstatement Provision

a. Applies when a policy lapses at the end of grace period b. Allows insured to apply for reinstatement for up to five years after a lapse

Reinstatement Provision

d. A policy surrendered for cash may not be reinstated.

Reinstatement Provision 1. Insured maintains original age

e. You do not need to re-establish insurable interest in order to reinstate

Reinstatement Provision 1. Insured maintains original age

f. Incontestability clause and suicide clause both start over on reinstatement

Reinstatement Provision 1. You only need insurable interest at time of application

c. If approved, original policy is reinstated

Reinstatement Provision 3. Must repay all policy loans, plus interest