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1. In case of life and industrial life whenever the grace period provision applies.
2. Where there is an acknowledgement in the contract or policy of insurance that the premium had already been paid.
3. The rule laid down in Makati Tuscany Condominium v. Court of Appeals to the effect that Section 77 may not apply if the parties have agreed upon to the payment of the premium in installments and partialpayment has been made at the time of the loss.
4. Where a credit term was agreed upon like the agreement in UCPB General Insruance,
Inc. v. Masagana Telemart where the insurer granted a 60-90-day credit term for the
payment of the premiums despite full awareness of Section 77.
5. Where the parties are barred by estoppel.
2. Where there is an acknowledgement in the contract or policy of insurance that the premium had already been paid.
3. The rule laid down in Makati Tuscany Condominium v. Court of Appeals to the effect that Section 77 may not apply if the parties have agreed upon to the payment of the premium in installments and partialpayment has been made at the time of the loss.
4. Where a credit term was agreed upon like the agreement in UCPB General Insruance,
Inc. v. Masagana Telemart where the insurer granted a 60-90-day credit term for the
payment of the premiums despite full awareness of Section 77.
5. Where the parties are barred by estoppel.
