What Happens If I Miss a Premium Payment?
A short grace period gives you time to catch up.
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Quick Answer
Most burial insurance policies include a grace period — commonly 30 days — after a missed payment, during which your coverage stays active while you catch up before the policy lapses.
Many people researching this also ask about canceling your policy.
In order for the policy premiums and benefits to remain in effect, premiums must be paid on time and in full. If a payment is missed and not made up before the grace period ends, the policy can lapse, meaning the coverage ends and a new application would be required to reinstate protection — likely at a higher premium due to your increased age.
Setting up automatic payments from a bank account is the easiest way to avoid an accidental lapse. If you ever have trouble making a payment, call your carrier or agent right away — they may be able to help you find a solution before the grace period runs out.
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