02-031-585 Me. Code R. § 4
An individual life insurance policy that has been in force for at least one year may not be terminated for nonpayment of premium, unless at least 21 days prior to the expiration of the policy's grace period, the insurer has mailed a notice of cancellation to the policyholder and any third party designated by the policyholder by name and address in writing. The notice shall state the reason(s) for cancellation and the date that coverage is to terminate. If the policy is subject to cancellation for nonpayment of premium, the notice shall include the amount of unpaid premium and the date by which premium must be paid to avoid policy cancellation.
At its option, an insurer may provide other notification regarding termination of coverage or other rights to the policyholder and any designated third party. The notice shall include an explanation of the reason for termination and the time and method by which termination may be avoided. If the reason for termination is beyond the policyholder's control, the notice shall so state. This optional notification is in addition to, not a substitute for, other requirements of law or contract.
02-031 C.M.R. ch. 585, § 4