14. The following conditions typically must be met in order to reinstate a policy with the exception of: a. The policyowner must complete a reinstatement application within the time frame stated in the reinstatement provision b. The policyowner must provide the insurance company with evidence of the insured's continued insurability c. For a traditional whole life policy, the policyowner must pay all premiums due since the date of lapse, plus interest d. For a universal life policy, the policyowner must pay all of the cost of insurance charges due since the date of lapse, plus interest. e. All the above conditions must typically be met