For each Insured person under the policy, have them complete and sign the appropriate Reinstatement Application form (A168) for their state. Refer to the state specific forms on the Sales Forms portion of www.kclic.net.
Be sure to include details to any “Yes” answers to the questions. If the policy has an Owner, and the policy has the waiver of premium rider, be sure to include medical information for the Owner as well as the Insured. Submit the completed reinstatement application along with the payment necessary.
If lapse occurs during the guaranteed payment period (minimum annual premium period) or during the time when any surrender charges are applicable, the balance of these periods at the time of lapse will resume upon reinstatement.
Click here for details on how to direct the form to the Home Office.