MS HB386

Authorizes funeral service providers and employees to request information about a deceased person's life insurance by providing a death notification, written authorization from the person directing disposition, and group affiliation details if applicable.

Requires insurers to respond within two business days with information including policy existence, beneficiaries, outstanding liens or loans, benefit amounts, and whether the policy was reinstated within the last 24 months.

Allows requesters to file a consumer complaint with the Office of Consumer Protection if insurers fail to respond within two business days after receiving all required information.

Requires funeral service providers to locate beneficiaries within 100 hours and provide them all insurance documents while informing them in bold that they have no legal obligation to pay for funeral expenses or the deceased's debts.

Establishes that funeral service providers making false requests or failing to comply with notification requirements commits unprofessional conduct and renders them unfit to practice.