{"id":1521,"date":"2022-08-10T15:36:32","date_gmt":"2022-08-10T10:06:32","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1521"},"modified":"2022-11-17T10:24:30","modified_gmt":"2022-11-17T04:54:30","slug":"a-guide-for-a-life-insurance-lapsed-policy","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/","title":{"rendered":"A Guide for a Life Insurance Lapsed Policy"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/#Lapsed_Policy\" >Lapsed Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/#Revival_of_Life_insurance_lapsed_policy\" >Revival of Life insurance lapsed policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/#How_to_avoid_policy_lapse\" >How to avoid policy lapse?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/#A_similar_case_where_a_customer_was_unaware_of_policy_revival_option_for_his_lapsed_policy_life_insurance_and_was_mis-sold_new_policies\" >A similar case where a customer was unaware of policy revival option for his lapsed policy (life insurance) and was mis-sold new policies:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/#Things_to_Remember\" >Things to Remember<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Lapsed_Policy\"><\/span><strong>Lapsed Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance Policy gets a lapsed status when the premiums are not paid even after grace period. Either the purpose of insurance stops or gets reduced depending on type of Insurance plan.<\/p>\n<p>In participating plans, benefits are reduced on the basis of paid up value. In ULIP plans, paid premiums move into discontinued funds but purpose of insurance i.e., death cover stops with immediate effect. In non-participating plans, purpose of insurance i.e., death cover stops.<\/p>\n<p>However, these policies can be revived as per terms and conditions of policy.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1523 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4.jpg\" alt=\"A Guide for a Life Insurance Lapsed Policy\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Revival_of_Life_insurance_lapsed_policy\"><\/span><strong>Revival of Life insurance lapsed policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Usually, a life insurance lapsed policy can be revived within 90 days. Many times, companies run special scheme to revive these policies. Companies reinstate these policies after collection of pending premium, interest and Health Declaration form. The revival conditions may differ depending upon the policies of the insurance companies.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-renew-your-lapsed-life-health-and-motor-insurance-policies-in-india\/\">Click here to know how to renew your lapsed Life, Health, and Motor Insurance Policies<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_avoid_policy_lapse\"><\/span><strong>How to avoid policy lapse?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Make premium payments on time<\/strong>: Pay your premium on time or before the due date to avoid <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-are-lapsed-policies-and-how-do-they-get-lapsed\/\">policy lapse<\/a>. If you fail to make the premium payment on the due date, a grace period will be given by the insurer. Pay the premium money within the grace period.<\/li>\n<li><strong>Set a reminder<\/strong>: You can set a reminder on your phone or keep a tab of the due date in your diary so that you can pay the premium amount on time.<\/li>\n<li><strong>Auto Debit feature<\/strong>: You can opt for an auto-debit feature so that premium payments are made automatically on time.<\/li>\n<li><strong>Update your communication details<\/strong>: Insurance companies send a reminder to their customers via letters, emails or text messages about premium payments. Keep your contact details like current address, permanent address, phone number, e-mail ids etc., updated with your insurance company so that you can get timely reminders and can pay your premium without any delay.<\/li>\n<\/ol>\n<p>You should be aware about the lapse status and revival of policy there are people who might take advantage of your innocence, and try to mis-sell policies by offering you to get claim money from your lapsed policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"A_similar_case_where_a_customer_was_unaware_of_policy_revival_option_for_his_lapsed_policy_life_insurance_and_was_mis-sold_new_policies\"><\/span><strong>A similar case where a customer was unaware of policy revival option for his lapsed policy (life insurance) and was <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/beware-of-mis-selling-and-insurance-fraud\/\">mis-sold<\/a> new policies:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mr. Navneet Chopra was mis-sold three insurance policies by someone on WhatsApp. That person gave a false assurance that Mr. Navneet could recover money from his previous lapsed policies if he purchases three new insurance policies. He was lured by such an offer and bought three policies hoping to receive the claim amount from the previously lapsed policies. He stated that he was getting constant updates from the person that he would get the claim money in some days. He waited for his claim amount for almost a year. On March 2, 2022, he contacted Insurance Samadhan for the case. We guided him and resolved his case by May 23, 2022.<\/p>\n<p><center><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ESMpYJTaG-I\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/center><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Things_to_Remember\"><\/span><strong>Things to Remember<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Pay your premium on or before the due date.<\/li>\n<li>If you fail to pay the premium on the due date, you have time till the grace period. Make premium payments within the grace period.<\/li>\n<li>Contact your insurance company, if you want a policy revival for your lapsed policy. Do not get trapped by fake calls, emails or text messages trying to mislead you.<\/li>\n<\/ol>\n<p>We have helped 14,500+ people in resolving insurance-related cases. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">You can also<\/span><\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Visit our website:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/www.insurancesamadhan.com\/\"><span style=\"color: #ff2828;\">insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Call us on +91 9513631312<\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">WhatsApp:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\"><span style=\"color: #ff2828;\">\u00a09910998252<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Mail us at\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"mailto:corporate@insurancesamadhan.com\"><span style=\"color: #ff2828;\">corporate@insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\"\n  },\n  \"headline\": \"A Guide for a Life Insurance Lapsed Policy\",\n  \"description\": \"Pay your premium on time or before the due date to avoid policy lapse. 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Either the purpose of insurance stops or gets reduced depending on type of Insurance plan. In participating plans, benefits are reduced on&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1522,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[18],"tags":[44,35,41,42,43,36,40,38,37,39],"class_list":["post-1521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-insurance-misselling","tag-lapsed-policy","tag-life-insurance","tag-misselling","tag-misselling-in-insurance","tag-policy-lapse","tag-policy-revival","tag-reinstate","tag-revival-of-lapsed-policy","tag-revival-of-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Guide for a Life Insurance Lapsed Policy - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Insurance Policy gets a lapsed status when the premiums are not paid even after grace period. 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Either the purpose of insurance stops or gets reduced depending on type of Insurance plan. 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