25. The replacement procedure provided for in section 22 also applies, with the necessary modifications, to the replacement of the following: (1) a signed insurance proposal for which:
(a) the mode premium has been paid in full, in cash or by cheque;
(b) the signatory of the proposal has given either a bank authorization or written authorization for deduction from salary or a written authorization to transfer funds from one policy issued by an insurer to another policy issued by the same insurer;
(2) a signed insurance proposal providing for temporary coverage of not more than 1 year, for which the temporary insurance premium has been paid.