Texas Administrative Code
Title 28 - INSURANCE
Part 1 - TEXAS DEPARTMENT OF INSURANCE
Chapter 3 - LIFE, ACCIDENT, AND HEALTH INSURANCE AND ANNUITIES
Subchapter J - REQUIRED REINSTATEMENT RELATING TO MENTAL INCAPACITY OF THE INSURED FOR INDIVIDUAL LIFE POLICIES WITHOUT NONFORFEITURE BENEFITS
Section 3.905 - Eligibility Requirements
Universal Citation: 28 TX Admin Code § 3.905
Current through Reg. 50, No. 13; March 28, 2025
An eligible policy that is subject to this subchapter shall be reinstated, without evidence of insurability, on payment of past due premiums and interest if it meets the requirements set forth in paragraphs (1)-(4) of this subsection:
(1) it has been in force continuously for at least five years immediately prior to the date of lapse;
(2) all premiums have been paid during such period, or within the grace period;
(3) there is a subsequent unintentional default in premium payments caused by the mental incapacity of the insured; and
(4) proof and request for reinstatement are submitted within one year from the date of lapse.
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