SERVICEMEMBERS CIVIL RELIEF ACT 101: If your health insurance was canceled while on active duty, it can be reinstated without loss of benefits, waiting periods or penalties in most cases. Life insurance is also protected against lapse, termination and forfeiture for nonpayment of premiums for the period of military service plus 2 years. You may cancel professional liability insurance and have it reinstated. Deadlines for applying for reinstatement vary depending on the type of insurance. For example, you have only 30 days after release from active duty to request reinstatement of professional liability insurance, but 120 days to request reinstatement of health insurance. Further, an insurer may not refuse coverage to you based on any SCRA protections you may invoke.