Illinois Bankers Life Ass'n v. Hardy

'WELOI-I, J.

The point in controversy was whether the life insurance policy sued upon was in force at date of death; that depended upon whether the policy had been reinstated after lapse.

■ Both parties agreed that the policy had been regularly issued and after being in full force for a time had become lapsed by failure of the insured to pay the annual premium on the due date or within the 30 days' grace period allowed by the policy.

Thereafter, the company defendant wrote the insured urging reinstatement of the pol icy. The insured also desired reinstatement, hut was unable to make present…