Tex. Insurance Code § 1106.002
This is the official text of Tex. Insurance Code § 1106.002, part of Texas’s Insurance Code — regulates insurance companies and the policies they sell.
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§ 1106.002. REINSTATEMENT REQUIRED; EXCEPTION.
Official statutory text
(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.
(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.
Status: in_force · Read it on the official government site
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