Reinstatement is the process of restoring a lapsed or cancelled insurance policy to active status. If your policy lapsed due to non-payment of premiums, most insurers allow reinstatement within a specific period — typically 30 to 90 days after the lapse — provided you pay all overdue premiums and any applicable interest or fees. Some insurers may require you to complete a new medical questionnaire or provide evidence of insurability before reinstating your policy. If reinstated, your original effective date and policy terms generally remain intact, and there is no gap in your coverage history. If too much time has passed since the lapse, reinstatement may not be available, and you would need to apply for a new policy with fresh underwriting.