If the premium is not paid, the policy will be permanently invalid.

Or an insurance company.

After the policy contract is concluded, the agent's work is actually completed, and the follow-up service is largely to continue to expand business.

As for reminding customers to pay premiums in time, it is not an inevitable condition. This is the information that the company should set up to remind them, which has nothing to do with the agent.

Moreover, both parties to the policy contract, as customers, are obliged to pay the premium in time, which has little to do with whether there is a reminder.

As for whether to apply for reinstatement, it is also the customer's own choice, which has nothing to do with you.

It's your call. What are you responsible for? It's totally unreasonable.

Sue you, go to court, excuse me, what should I sue you? I don't know.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.