Under O.C.G.A. § 33-25-3, a lapsed Georgia life insurance policy may be reinstated within how many years from the date of premium default, subject to evidence of insurability and payment of overdue premiums?

Why this is the answer

O.C.G.A. § 33-25-3 requires that life policies allow reinstatement at any time within three years after the date of default in premium payment, provided the policy has not been surrendered for cash. The policyholder must furnish evidence of insurability satisfactory to the insurer and pay all overdue premiums with interest. Under § 33-25-12, statements made to obtain reinstatement may be contested for the same period that applied after the policy was first issued.