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Most policies include a grace period, often 30 or 31 days depending on the state, during which coverage stays in force. If the premium remains unpaid after that, the policy may lapse, and reinstatement may require new proof of health.

For example, North Carolina requires a 31-day grace period, as explained in our North Carolina life insurance guide. Setting up automatic payments is the simplest safeguard.

Want real numbers? Get an instant life insurance quote online or call Bridgeway Insurance at (877) 418-2484.

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