Which of the following is a reinstatement condition?

• A. Proof of insurability
• B. Proof of age
• C. Proof of premium payment
• D. Proof of identity

Answer: (A)

Reinstatement after a lapse relies on requalifying for coverage under current underwriting. When a policy has lapsed due to nonpayment, you can restore it within a specified period, but the insurer will typically require proof of insurability to confirm your health risk is still acceptable. That current health information—often a medical questionnaire or exam—tells the insurer whether the risk has changed enough to prevent reinstatement or to adjust premiums.

So the reinstatement condition is proving you’re still insurable. Paying back the overdue premiums (with interest) and repaying any outstanding loans are also involved, but the key factor that makes reinstatement possible is evidence of insurability.

Proof of age isn’t itself a reinstatement requirement; age affects underwriting but isn’t the condition used to restore the policy. Proof of premium payment isn’t about underwriting—you must actually pay the overdue amounts. Proof of identity isn’t a standard reinstatement requirement either; identity checks are typically handled at issue or for claim purposes.