Which of the following statements is correct about reinstatement provisions on life insurance policies that have lapsed?

A - Reinstatement provisions typically allow for missed premiums to be waived upon reinstatement

B - Reinstatement requires the forfeiture of the cash value of the policy

C - All life insurance policies allow lapsed policies to be reinstated

D - Reinstatement of a life insurance policy typically requires proof of insurability and payment of any missed premiums with interest