Can I reinstate a lapsed life insurance policy?
Answered by 4 licensed agents
Answered by Philip Santucci on August 7, 2026
Broker Licensed in IL, FL, MI, MN & TX
Answered by Melanie Blackston on August 10, 2026
Broker Licensed in SC, GA & NC
Reinstatement allows you to keep the same premiums. The insurance company may ask you to complete a “Statement of Health” form depending on how long the policy has lapsed.
You’ll need to pay all missed payments to catch the policy up.
Reinstatements are subject to underwriting approval.
If your policy has lapsed for a long period of time, check to see if it’s less expensive to start a new policy or reinstate your current policy. It will depend if your health has gotten better or worse.
Answered by Sandra Bailey on August 8, 2026
Broker Licensed in TN
Answered by Tamekia Mckinnie on August 10, 2026
Agent Licensed in FL
Tags: How Life Insurance Works
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