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Life Insurance Policy Provisions, Riders & OptionsTX-LH-03-196
An insured's life insurance premium was due on May 1st. The insured forgot to pay the premium. On May 20th, the insured unexpectedly passed away. No premium payment had been made. What will happen regarding the death benefit?
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The answer is B: The death benefit will be paid, minus the unpaid premium.
The Grace Period provision keeps the policy in force for a period after the premium due date even though the premium hasn't been paid. Texas requires a grace period of at least one month (Insurance Code §1101.005), and many policies state it as 31 days. If the insured dies during the grace period, the death benefit is paid minus the overdue premium. The insured died on May 20th, well within the grace period that began May 1st, so the policy was still in force.
The answer is B: The death benefit will be paid, minus the unpaid premium.
The Grace Period provision keeps the policy in force for a period after the premium due date even though the premium hasn't been paid. Texas requires a grace period of at least one month (Insurance Code §1101.005), and many policies state it as 31 days. If the insured dies during the grace period, the death benefit is paid minus the overdue premium. The insured died on May 20th, well within the grace period that began May 1st, so the policy was still in force.
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