What Does Life Insurance In Force Mean? 
In the context of an application for life insurance , the insurance company wants to know from the proposed insured how much life insurance death benefit currently exists on their life from all active policies regardless of who is the owner . They usually ask for details of each active policy and whether or not the new coverage applied for will replace any of the active policies . The reason for the question include determining if the applied for amount is reasonable and within the maximum coverage limit on the proposed insured . 