Definition - What does In Force mean?
In force is an insurance term that means a policyholder has been paying their insurance on time or has paid it already. Policyholders with insurance in force are entitled to the benefits outlined in the policy.
Insuranceopedia explains In Force
If a person pays their premiums regularly or if have fully paid their insurance, their insurance is in force. This status guarantees that they will be covered for the risks they have insured against.
Conversely, when one is remiss in paying the insurer, their insurance may lapse and they may not be covered for the risks outlined in the policy. Insurers usually allow a grace period for the insured to catch up on payments before the policy lapses.