Which of following explains the term "Grace Period" in insurance?

1
It is a period after the premium due date, during which an overdue premium may be paid including 5% of the penalty.
2
It is a period after the premium due date, during which an overdue premium may be paid without penalty.
3
It is a period after the premium due date, during which an overdue premium may be paid including penalty.
4
It is a period after the premium due date, during which an overdue premium may be paid including 25% of the penalty.
5
It is a period after the premium due date, during which an overdue premium may be paid including 15% of the penalty.

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