WA HB2428

Insurers must send written termination notices at least 30 days before canceling an individual life insurance policy for nonpayment, to both the policyholder and any designated third party

Policyholders gain the right to designate a third party (such as a family member) to receive notices of policy lapse, cancellation, or reinstatement rights at application or any time the policy is in force

Insurers must obtain and demonstrate proof of delivery for termination notices, including first-class mail records, certified mail receipts, electronic read receipts, or shipping tracking confirmation

Third-party designees have no legal duty or liability for informing the policyholder, making premium payments, or taking any action upon receiving a notice

Exemptions apply to group life insurance policies, policies with monthly or more frequent premium payments, and term life policies of one year or less; the act applies only to policies issued after the effective date