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Good One! In order to "re-activate" an insurance policy that is in any kind of default status you must pay back any owed premiums for starters. In the case of term you would also have to prove insurability and may even need to do so for WL as well. I suggest you contact the co and ask them directly. You may have some cash value left, it may be time to take the money and run. Especially if you owe a loan, need to pay back premiums etc. IS health an issue? Good luck 4lifeguild.com

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Q: How do you reactivate an insurance policy which is already on reduced paid-up or extended term status especially if it has a policy loan at the time premiums become in default?
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