Skip to main content Skip to notification content

Reinstate a lapsed policy

Apply to reinstate a policy after it has lapsed.



A policy will lapse when premiums are not paid after the grace period of 31 days and there is no cash value, or when an Automatic Premium Loan cannot be applied and/or the fund value is less than the monthly insurance and administrative charges. 

However, you may apply to reinstate the policy to continue enjoying the cover and benefits of the policy, subject to the terms of the policy contract. 

If you wish to reinstate a lapsed policy, please complete the Application for Reinstatement Form and mail it to us together with your payment for the outstanding premiums and interest. Please note that your application may be subject to underwriting and you may need to provide us with certain medical reports.

What you need to provide

1. Completed Application for Application for Reinstatement Form 

2. Outstanding premium and interest 

3. Medical report (if any)


What is the validity period of the reinstatement form?
The reinstatement form is valid for two months from the signed date in the form.

How many reinstatement forms do I need to complete?
You will need to complete one form, unless there are multiple dependents on the same policy.

Who will need to sign the form to activate the change? 
For non-trust policies, the Life Insured and Assignee or Policyowner must sign the form and the Life Insured will need to sign to declare his/her health status. 

For a Trust policy under S49L, either of the following parties must sign the form:
• Policyowner and any one Trustee (excluding the Policyowner), or 
• All Beneficiaries (each Beneficiary must be at least 18 years old) 

For a Trust policy under S73, the Life Insured, Policyowner and all Trustees must sign on the form.


Change of premium

Apply to increase of decrease your premium.



Change of sum insured

 Apply to increase or decrease your sum insured.



Change to recurring single premium

Make changes to your standing instruction for recurring single premium (RSP) investments.



Change payment frequency

Apply to change the frequency of your premium payment.



Change payment method

Apply to change your payment method from GIRO to Direct Billing or vice versa.



Change rider/supplemetary benefits details

Apply to make changes to your rider or supplementary benefit.



Change insured person

Apply to change the Life Insured on your policy.



Secondary life insured option

Apply to appoint or change the Secondary Life Insured of your policy.



Change occupation details

Update your policy with your change of occupation.



Convert to reduced payout policy

Apply to use your policy's cash value to convert the policy to a reduced paid-up policy.



Change of representative

Request for a change of servicing representative.



Notify Manulife of a will or a will change

Notify Manulife when you have made a will or a change to an existing will.



           Surrender or withdraw a policy

           Apply to surrender or withdraw a policy in full or partially.



Other services that we offer

We are always here to help in whatever way we can.