28 Tex. Admin. Code § 3.905 - Eligibility Requirements
An eligible policy that is subject to this subchapter shall be reinstated, without evidence of insurability, on payment of past due premiums and interest if it meets the requirements set forth in paragraphs (1)-(4) of this subsection:
(1) it has
been in force continuously for at least five years immediately prior to the
date of lapse;
(2) all premiums
have been paid during such period, or within the grace period;
(3) there is a subsequent unintentional
default in premium payments caused by the mental incapacity of the insured;
and
(4) proof and request for
reinstatement are submitted within one year from the date of lapse.
Notes
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