In order to reinstate a life insurance policy the insured must do all of the following EXCEPT:

To reinstate a life insurance policy, the insured is typically required to meet several conditions related to the financial aspects of the policy. This often includes paying back premiums that are due, which ensures that the policy is brought back to an active status, as well as paying any interest due on those back premiums. If there are any outstanding loans against the policy, the insured must also repay those along with any accrued interest to restore the policy.

The option that is not a standard requirement for reinstatement is the payment of next year's premiums in advance. While providers may require the insured to be current on their payments at the time of reinstatement, they do not typically mandate that the insured pay for the upcoming year's premiums upfront as a condition for reinstating a policy. This makes the option to pay next year's premiums in advance the correct answer regarding what is not necessary for reinstatement. Thus, the insured is responsible for clearing up existing financial obligations related to the policy without needing to prepay for the next policy period.