Be prompt with your premium
Be regular with your premiums to ensure that the policy stays in effect. If, by any chance, you have not paid up and your policy has lapsed, then there is no way the insurance company is obligated to make the payment to your beneficiary. If you miss a premium payment, look out for the grace period. If you have missed that, then talk to the company to once again re-instate your policy on making a penalty payment. Incidentally, the grace period is generally not more than 30 days. If the premium payment is monthly, then the grace period stretches to just around 15 days.
You need not physically go to the insurance company's office to make your payment. You can pay online via net banking or via your debit/ credit card. Some companies also permit premium payment through mobile phones where funds can be transferred through the Interbank Mobile Payment Service, or IMPS. If you are concerned about missing the due date, opt for auto debit of premiums where you give the bank a standing instruction mandate.