1. Pennsylvania requires individual life policies to provide a premium grace period of at least:

31 days

Pennsylvania mandates a 31-day grace period during which coverage continues if the overdue premium is paid.

2. A Pennsylvania life policy becomes incontestable after it has been in force during the insured's lifetime for:

2 years

After 2 years, the insurer generally cannot contest the policy for misstatements in the application.

3. The standard free-look period for an individual life insurance policy in Pennsylvania is:

10 days (30 days for insureds age 65 and older)

Pennsylvania provides a 10-day free look, extended to 30 days for insureds age 65 and older.

4. A lapsed ordinary life policy may generally be reinstated, with evidence of insurability and back premiums, within:

3 years

Ordinary life policies typically allow reinstatement within 3 years upon proof of insurability and payment of overdue premiums with interest.