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Can I pay the premium if the mortgage loan is not paid off?
You can continue to pay the premium. If you can't transfer money, you can go to the insurance company to pay for it.

Look at you asking why you deducted your other insurance policy and didn't deduct your own premium for the upcoming grace period.

The reason may be that the premium deducted during the grace period is not deducted every day, but usually deducted once every two days. It may be because the premium of another policy was deducted first this time.