This story is reprinted with permission from FC&S Legal, the industry’s only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.

An appellate court in California, reversing a trial court’s decision, has ruled that a life insurance policy that included a rider under which the insurer agreed to waive premiums while the insured was disabled if the insured provided the insurer with notice of her disability, did not lapse after the insured became disabled – even though she failed to provide the required notice to the insurer.