A woman who paid her husband’s overdue premium five days after he died isn’t entitled to collect on his life insurance policy, a federal judge has ruled.In a written opinion, U.S. District Judge Matthew F. Kennelly held the policy issued by The Northwestern Mutual Life Insurance Co. lapsed when David Stewart failed to pay his premium within the 31-day grace period provided to policy holders.Kennelly rejected the argument that Northwestern Mutual reinstated the policy by accepting a check that Stewart’s …