The amount of time you have to renew your coverage depends on the kind of policy and the insurance company. However, you typically have up to two years to renew your lapsed insurance coverage by paying the outstanding premiums. Keep in mind that, while it is usually a good idea to reinstate a policy, there may be accrued interest on the amount owed that you will have to pay.
Please contact us if this sounds too difficult. We understand your dilemma and can assist you in either reviving the policy or recovering your money by surrendering it.