In many cases, a policy is eligible for reinstatement review as long as reinstatement is applied for within five years of the policy’s lapse or Non-Forfeiture Option processing.  However, there are several factors that can influence the policy’s eligibility for reinstatement, including potential tax implications.  Please contact our Individual Client Service Department to check on your specific policy’s eligibility.
           
If eligible, we will provide you with the necessary Reinstatement Application.  Our underwriters will review the information provided on your completed application and may request additional evidence of insurability.   Should your Reinstatement Application be approved, we will inform you of the amount of premium required to complete the reinstatement process at that time.