CT HB06981

Insurers may post policies and endorsements on their websites instead of mailing them, effective October 1, 2025, provided they obtain insured consent, retain records for 5 years after expiration, and offer free paper copies upon request with opt-out rights preserved.

Health insurance plan sponsors may consent to electronic delivery of policy communications on behalf of covered individuals starting January 1, 2026, with individuals retaining the right to request mail delivery or opt out at any time.

Proof of mailing for cancellation and nonrenewal notices expands to include USPS intelligent mail barcode tracking and electronic delivery with delivery receipt when agreed upon between insurer and insured, effective July 1, 2025.

Federal Home Loan Banks are protected during insurer delinquency proceedings with a 10-business-day exemption from automatic stays to exercise collateral rights, and their pledge agreements cannot be avoided as fraudulent transfers or preferences unless made with intent to defraud.

Surplus lines insurance brokers are exempt from diligent search requirements when procuring or placing insurance through an unaffiliated wholesale surplus lines insurance broker, effective October 1, 2025.