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Committee adopts amendment and advances bill requiring 30-day notice before life-insurance lapse for nonpayment

Consumer Protection and Business Committee · February 4, 2026
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Summary

Committee adopted Representative Ryu’s amendment narrowing a required 30‑day notice to lapses caused by nonpayment and reported substitute House Bill 2,428 out with a due-pass recommendation (15–0). The bill also requires proof of delivery and adds an effective date of Jan. 1, 2027.

The Consumer Protection and Business Committee on Wednesday adopted an amendment and reported substitute House Bill 2,428 out of committee with a due-pass recommendation.

Committee staff Peter Cloudfelter told members the bill requires insurers to send written notice of lapse at least 30 days before coverage will lapse based on nonpayment of premium, require proof of delivery for those notices (including records showing first-class mail sent…

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