An eligible policy that is subject to this subchapter must be reinstated, without evidence of insurability, on payment of past due premiums and interest if it meets the following requirements:     
       (1) it has been in force continuously for at least five years immediately before 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.      
     Source Note:        The provisions of this §4.1605 adopted to be effective January 10, 1996, 20 TexReg 11121; transferred effective September 1, 2023, as published in the July 28, 2023, issue of the Texas Register, 48 TexReg 4127; amended to be effective January 24, 2024, 49 TexReg 250