En todo contrato de rentas anuales o de seguro dotal puro, que no sea una renta anual reversible, de sobrevivencia, o colectiva, habrá una disposición al efecto de que se concederá un período de gracia de un mes, pero no menos de treinta (30) días, dentro del cual podrá efectuarse al asegurador cualquier pago estipulado que venza después del primero, sujeto, a opción del asegurador, a un cargo por intereses a un tipo que se especificará en el contrato, pero que no excederá del seis por ciento (6%) anual por el número de días de gracia que transcurran antes de dicho pago, período durante el cual el contrato continuará en toda su fuerza y vigor; pero en caso que surja una reclamación con arreglo al contrato durante el período de gracia, antes de que la prima adeudada sea pagada, o las primas diferidas o las retribuciones del año corriente del contrato, si las hubiere, sean pagadas, el importe de dichas primas o retribuciones, con intereses sobre las mismas, podrán deducirse de cualquier liquidación con arreglo al contrato.
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