Tex. Insurance Code § 1106.002
REINSTATEMENT REQUIRED; EXCEPTION
Texas · Texas Insurance Code · Status: effective
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- Tex. Insurance Code § 1106.002, REINSTATEMENT REQUIRED; EXCEPTION, Texas, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/680882
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(a) On the lapse of an individual life insurance policy following the unintentional default in the payment of premiums caused by the mental incapacity of the insured, a person is entitled to have the policy reinstated under this chapter if:
(1) the policy had been in effect continuously for at least five years immediately preceding the lapse; and
(2) there was not a default in the payment of premiums on the policy during the period described by Subdivision (1).
(b) The insurer is not required to reinstate a policy or pay benefits under this chapter if the insured first became mentally incapacitated after the expiration of an applicable grace period contained in the policy.