A life insurance policy has lapsed, and the policyowner would like to reinstate it. In order to initiate the reinstatement process, he must submit an application to his insurer. Which of the following is true?
a)It is the policyowner's responsibility to request the reinstatement application; the insurer must then deliver it within 30 days.
b)It is the policyowner's responsibility to request the reinstatement application; the insurer must then deliver it within 10 days.
c)It is the insurer's responsibility to deliver this application to the policyowner within 30 days of policy lapse.
d)It is the insurer's responsibility to deliver this application to the policyowner within 10 days of policy lapse.
