In order to activate the reinstatement clause of a lapsed life insurance policy, the insured MUST:

To activate the reinstatement clause of a lapsed life insurance policy, the insured typically must provide evidence of insurability to the insurer. This requirement is in place to ensure that, at the time of reinstatement, the insurer can assess the current health status of the policyholder. If considerable time has passed since the policy lapsed, changes in the insured's health could significantly affect the risk the insurer is taking on. This evaluation allows the insurer to make informed underwriting decisions.

It's important to note that while paying past due premiums is necessary for the reinstatement process, it is not sufficient on its own without the submission of evidence of insurability. Furthermore, submitting a new application isn’t required specifically for reinstatement; rather, the emphasis is on assessing the current health through evidence of insurability. The grace period allows a specific timeframe for late payments before the policy officially lapses, but it does not facilitate the reinstatement process after the lapse has occurred.