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HOUSE DOCKET, NO. 3263 FILED ON: 1/17/2025
HOUSE . . . . . . . . . . . . . . . No. 1094
The Commonwealth of Massachusetts
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PRESENTED BY:
Donald R. Berthiaume, Jr.
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To the Honorable Senate and House of Representatives of the Commonwealth of Massachusetts in General
Court assembled:
The undersigned legislators and/or citizens respectfully petition for the adoption of the accompanying bill:
An Act relative to notifying broker prior to termination of coverage.
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PETITION OF:
NAME:DISTRICT/ADDRESS :DATE ADDED:Donald R. Berthiaume, Jr.5th Worcester1/17/2025Paul McMurtry11th Norfolk2/17/2025Francisco E. Paulino16th Essex2/17/2025 1 of 2
HOUSE DOCKET, NO. 3263 FILED ON: 1/17/2025
HOUSE . . . . . . . . . . . . . . . No. 1094
By Representative Berthiaume of Spencer, a petition (accompanied by bill, House, No. 1094) of
Donald R. Berthiaume, Jr., Paul McMurtry and Francisco E. Paulino relative to insurers
notifying agents prior to termination of certain insurance coverage. Financial Services.
The Commonwealth of Massachusetts
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In the One Hundred and Ninety-Fourth General Court
(2025-2026)
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An Act relative to notifying broker prior to termination of coverage.
Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority
of the same, as follows:
1 Chapter 175 of the General Laws, as appearing in the 2022 Official Edition, is hereby
2amended by adding the following new section:-
3 Section 231. If the policy owner of a life, disability or long term care insurance policy has
4an agent of record, the insurer must also notify the agent of the impending lapse in coverage or
5mail or send electronically a copy of the notification of the impending lapse in coverage to the
6agent at least 21 days before the effective date of any such lapse. Receipt of such notice does not
7make the agent responsible for any lapse in coverage. An insurer is not required to notify the
8agent under this section if any of the following applies:
9 (a) The insurer maintains an online system that pushes out a notice of pending lapse to
10the broker of record to independently determine if a policy is about to lapse.
11 (b) The insurer maintains a procedure that pushes out a notice that allows an agent to
12independently determine whether the notice of lapse has been sent to the insured. 2 of 2
13 (c) The insurer has no record of the current agent of record.
14 (d) The agent is employed by the insurer or an affiliate of the insurer.