BILL · 2025–26 SESSION · LATEST VERSION SHB 2428

HB 2428: Life insurance policy lapses

Preventing unintentional lapses and cancellations of life insurance policies.

Summary

Requires insurers to send written notice of possible termination of coverage under an individual life insurance policy based on nonpayment of the premium to the policyholder and a third-party designee at least 30 days before coverage will lapse, and to notify a policy applicant in writing of the right to designate a third party to receive the notice.
Requires the insurer to obtain, and upon request, demonstrate proof of delivery for each notice the insurer sends under the requirement.
Excludes certain types of life insurance policies from the requirement and applies only to policies issued on or after the bill's effective date.

From the Substitute House Bill Report (SHB 2428), written by the Legislature's nonpartisan staff. Read the full report ↗

Enacted Enacted · Chapter 62, Laws of 2026

AN ACT Relating to preventing unintentional lapses and cancellations of life insurance policies;

Passed February 12, 2026

Version voted on: SHB 2428

94 Yea 0 Nay 0 Absent 4 Excused

Party	Yea	Nay	Absent	Excused
Democrat	56	0	0	3
Republican	38	0	0	1

How each member voted

Passed March 4, 2026

Version voted on: SHB 2428

48 Yea 0 Nay 0 Absent 1 Excused

Party	Yea	Nay	Absent	Excused
Democrat	29	0	0	1
Republican	19	0	0	0

How each member voted

Mar 16, 2026Effective date 1/1/2027. (SHB 2428)
Mar 16, 2026Chapter 62, 2026 Laws. (SHB 2428)
Mar 16, 2026Governor signed. (SHB 2428)
Mar 6, 2026Delivered to Governor. (SHB 2428)
Mar 6, 2026President signed. (SHB 2428)
Mar 5, 2026Speaker signed. (SHB 2428)
Mar 4, 2026Third reading, passed; yeas, 48; nays, 0; absent, 0; excused, 1. (SHB 2428)
Mar 4, 2026Rules suspended. Placed on Third Reading. (SHB 2428)
Feb 27, 2026Placed on second reading by Rules Committee. (SHB 2428)
Feb 20, 2026Passed to Rules Committee for second reading. (SHB 2428)
Feb 19, 2026BTE - Majority; do pass. (SHB 2428)
Feb 16, 2026First reading, referred to Business, Trade & Economic Development. (SHB 2428)
Feb 12, 2026Third reading, passed; yeas, 94; nays, 0; absent, 0; excused, 4. (SHB 2428)
Feb 12, 2026Rules suspended. Placed on Third Reading. (SHB 2428)
Feb 12, 20261st substitute bill substituted. (SHB 2428)
Feb 12, 20261st substitute bill substituted.
Feb 11, 2026Rules Committee relieved of further consideration. Placed on second reading. (SHB 2428)
Feb 11, 2026Rules Committee relieved of further consideration. Placed on second reading.
Feb 4, 2026Referred to Rules 2 Review. (SHB 2428)
Feb 4, 2026CPB - Majority; 1st substitute bill be substituted, do pass. (SHB 2428)
Feb 4, 2026CPB - Executive action taken by committee.
Feb 4, 2026CPB - Majority; 1st substitute bill be substituted, do pass.
Feb 4, 2026Referred to Rules 2 Review.
Jan 13, 2026First reading, referred to Consumer Protection & Business.

Bill numbers restart every two years, so the same number is a different bill in each session.

HB 2428 (2023–24) Sales and use tax sharing · Enacted · Chapter 95, Laws of 2024
HB 2428 (2019–20) Student allergic reactions · Did not pass · died in committee
HB 2428 (2017–18) Ballot production costs · Did not pass · died in committee
HB 2428 (2015–16) Lien recording fee exemption · Did not pass · died in committee
HB 2428 (2013–14) Emer medical service levies · Did not pass · stalled on the House floor
HB 2428 (2011–12) School governing/alternative · Did not pass · died in committee
HB 2428 (2009–10) Locating surplus funds/fees · Enacted · Chapter 29, Laws of 2010
HB 2428 (2007–08) Staphylococcus aureus · Did not pass · died in committee