An eligible policy that is subject to this subchapter must be reinstated, without evidence of insurability, on payment of past due premiums and interest if it meets the following requirements:(1) it has been in force continuously for at least five years immediately before the date of lapse;(2) all premiums have been paid during such period, or within the grace period;(3) there is a subsequent unintentional default in premium payments caused by the mental incapacity of the insured; and(4) proof and request for reinstatement are submitted within one year from the date of lapse.