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Once you are covered under a waiver of premium rider, the typical policy requires a waiting period of six months after you become disabled, says Paul Wetmore, assistant vice president of Life Product Management at MetLife.
Lapsed Policy A policy which is no longer in force due to non-payment of the premium due. Every time, before your premium due date, ICICI Prudential will send you a premium reminder with the premium amount and due date. If the policy have been lapsed less than six months, it can be revived by paying the premium along with the applicable interest charges. 2  If the policy have been lapsed for more than six months, the life assured would once again have to go through medical tests.