{"id":2972,"date":"2023-06-24T15:53:39","date_gmt":"2023-06-24T10:23:39","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2972"},"modified":"2023-06-26T17:10:11","modified_gmt":"2023-06-26T11:40:11","slug":"unpaid-life-insurance-premiums-essential-steps-for-protection","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/unpaid-life-insurance-premiums-essential-steps-for-protection\/","title":{"rendered":"What should I do if I am not able to pay my Life Insurance Premium?"},"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\/unpaid-life-insurance-premiums-essential-steps-for-protection\/#What_is_Life_Insurance_Premium\" >What is Life Insurance Premium?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/unpaid-life-insurance-premiums-essential-steps-for-protection\/#What_if_I_cant_pay_my_premium\" >What if I can&#8217;t pay my premium?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/unpaid-life-insurance-premiums-essential-steps-for-protection\/#Can_I_reinstate_the_Policy\" >Can I reinstate the Policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/unpaid-life-insurance-premiums-essential-steps-for-protection\/#Important_Things_to_Remember\" >Important Things to Remember<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Life insurance protects your family from financial loss. No one can compensate for emotional loss but financial loss can be protected through insurance. Life Insurance gives you and your loved ones peace of mind; hence, all premiums must be paid in time. Else your policy will lapse and it will not serve the purpose.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, it is critical to understand the consequences if you are unable to continue paying your life insurance premiums. Today we will look at what happens if you stop paying your life insurance premiums and the possible implications. It&#8217;s critical to understand these aspects in order to make informed judgments and take the required steps to protect your insurance coverage.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-2973 aligncenter\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium.png\" alt=\"What should I do if I am not able to pay my Life Insurance Premium\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/What-should-I-do-if-I-am-not-able-to-pay-my-Life-Insurance-Premium-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Life_Insurance_Premium\"><\/span><strong>What is Life Insurance Premium?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Life insurance is a contract where you agree to pay a renewal premium to keep the contract live.\u00a0 Premium refers to the amount of money that policyholders must pay to the insurance company in exchange for their life insurance coverage. You choose to pay an annual premium as per your convenience, i.e annual \/ half year \/ quarter and monthly. Insurance Samadhan always recommends paying the premium in the annual mode because it is always the most economical and effective.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Lapsed policy<\/a> gets a grace period of 30 days under all modes except monthly mode, where you get a grace period of 15 days. The grace period means that your policy can be revived without any medical declaration and in case of death during the grace period, the claim will be payable after taking out the unpaid premium.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the grace period, the contract is not live and the claim will be paid as per policy terms and conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All life insurance contract work under <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-section-45-in-insurance\/\">Section 45<\/a> of the Insurance Act, which says that a claim can not be rejected under non-declaration if the death happens after 36 months of an active new policy as well as reinstated policy. This means that all reinstated contracts after the grace period come under Section 45. Hence it is necessary that you pay your premium on time.<\/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<h3><span class=\"ez-toc-section\" id=\"What_if_I_cant_pay_my_premium\"><\/span><strong>What if I can&#8217;t pay my premium?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you fail to pay your life insurance premium due to unexpected circumstances, it&#8217;s important to understand the consequences. Let us talk about different life insurance policies and understand.<\/span><\/p>\n<p><b>Term Insurance<\/b><span style=\"font-weight: 400;\">: Policy lapses after the grace period and all benefits terminate.<\/span><\/p>\n<p><b>Endowment Plans<\/b><span style=\"font-weight: 400;\">: If your policy has generated surrender value, then your family can get a reduced sum assured so partial cover prevails, On maturity, a surrender value is paid.<\/span><\/p>\n<p><b>ULIP<\/b><span style=\"font-weight: 400;\">: Risk cover discontinues and your fund value is transferred to a Discontinuance Fund with a 4% assured return. Your fund is also removed from the active market.<\/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<h4><span class=\"ez-toc-section\" id=\"Can_I_reinstate_the_Policy\"><\/span><strong>Can I reinstate the Policy?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Life insurance policies that have <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/steps-to-revive-of-lapsed-life-insurance-policy\/\">lapsed can be revived<\/a> within 90 days. After 90 days, reinstatement would depend on. Insurance companies that offer special schemes to reinstate these policies require the payment of pending premiums, interest, and a Health Declaration form submission. The specific conditions for policy revival may vary depending on the insurance company&#8217;s policies. But you should remember that your policy contract once again will be subject to Section 45.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Important_Things_to_Remember\"><\/span><strong>Important Things to Remember<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Here are some important things to remember in such situations:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance is important hence go for Bank mandated.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you miss the premium payment deadline, you have a grace period to make the payment. Use this time to pay the premium and avoid any complications.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If your life insurance policy has lapsed, contact the company to reinstate your policy.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We have helped 15,000+ people in resolving insurance-related cases. <a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Contact us<\/a> to get samadhan for your insurance-related issues. We are always available to help you out.<\/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><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>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/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\/unpaid-life-insurance-premiums-essential-steps-for-protection\/\"\n  },\n  \"headline\": \"Unpaid Life Insurance Premiums: Essential Steps for Protection\",\n  \"description\": \"Discover the Consequences of Unpaid Life Insurance Premiums and How to Protect Your Coverage. 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No one can compensate for emotional loss but financial loss can be protected through insurance. Life Insurance gives you and your loved ones peace of mind; hence, all premiums must be paid&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/unpaid-life-insurance-premiums-essential-steps-for-protection\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":2974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-2972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Unpaid Life Insurance Premiums: Essential Steps for Protection<\/title>\n<meta name=\"description\" content=\"Discover the Consequences of Unpaid Life Insurance Premiums and How to Protect Your Coverage. 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