Kentucky Revised Statutes
Ky. Rev. Stat. § 304.15-130 (2026)
Reinstatement
✓ current as of May 2026
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There shall be a provision that, unless the policy has been surrendered for its cash surrender value, or its cash surrender value has been exhausted, the policy will be reinstated at any time within three (3) years (or two (2) years in the case of industrial life insurance policies) from the date of premium default upon written application therefor, the production of evidence of insurability satisfactory to the insurer, the payment of all premiums in arrears and the payment or reinstatement of any other indebtedness to the insurer upon the policy, all with interest at the rate specified. Effective: June 18, 1970 History: Created 1970 Ky. Acts ch. 301, subtit. 15, sec. 13, effective June 18, 1970.
Notes of Decisions
Cited in 1
case, 1997–1997 · leading case: Howard v. Motorists Mut. Ins., 955 S.W.2d 525 (Ky. 1997).
Howard v. Motorists Mut. Ins., 955 S.W.2d 525 (Ky. 1997). “Unlike life insurance policies, see KRS 304.15-130, there is no legal requirement that a casualty policy contain a reinstatement provision.”
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