Life Policy ProvisionsQuestion 156 of 716
After a life insurance policy has lapsed for non-payment, the reinstatement provision generally requires which of the following from the policyowner?
a.Only payment of the single premium that is currently past due
b.Written approval from the state insurance commissioner before coverage resumes
c.A brand-new application and a higher premium rate for the restored coverage
d.Proof of insurability and payment of all back premiums with interest
Explanation
To reinstate a lapsed life policy within the reinstatement period (typically three to five years), the insured must provide evidence of insurability and pay all overdue premiums plus interest. The original policy is restored rather than a new contract being issued.
Law Reference: Cal. Ins. Code §10113This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
- What is the free-look period that California requires on a life insurance or annuity policy issued to a senior age 65 or older?
- The entire contract clause in a California life policy means that the policy contract consists of which of the following?
- What is the typical grace period required in a California individual life insurance policy for payment of an overdue premium without lapse of coverage?
- If an insured dies by suicide 18 months after the policy was issued, how is the death claim typically handled under the standard California suicide clause?
- If an applicant misstates their age on a life insurance application and the error is discovered after death, what action does the misstatement-of-age provision require?
- Under which settlement option does the insurer retain the death benefit and pay only the earnings on it to the beneficiary at regular intervals?
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)