Steps
- Act quickly — most carriers allow reinstatement only within a limited period after lapse.
- Contact the carrier to request a reinstatement application.
- Be ready to pay past-due premiums, sometimes with interest.
- Expect to answer health questions or provide updated information.
- Compare reinstatement against a fresh policy — an agent can help you choose.
Need help with this? Speak with a licensed agent for a free, no-obligation review of your life insurance policy.
A licensed agent can walk you through every step at no cost. Eterna is independent, so the guidance is about what's best for you.