Allen v. National Accident & Health Insurance

Conceding without deciding that the policy was in force during the grace period of seven days from 1 September to 7 September, the failure to pay the monthly premium before the expiration of this period caused the policy to lapse, according to its terms, and to become void as of the due date. The acceptance of premiums thereafter, if any were accepted, had the effect of reinstating the policy prospectively, but not retroactively. Such is the language of the policy. Sanderlin v. Ins. Co., 214 N. C., 362; Gilmore v. Ins. Co., 214 N. C., 674; Hayworth v. Ins. Co., 190 N. C., 757, 130 S. E., 612.

T…