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SENATE DOCKET, NO. 623 FILED ON: 1/14/2025
SENATE . . . . . . . . . . . . . . No. 826
The Commonwealth of Massachusetts
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PRESENTED BY:
Michael F. Rush
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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 :Michael F. RushNorfolk and SuffolkPaul McMurtry11th Norfolk1/17/2025 1 of 2
SENATE DOCKET, NO. 623 FILED ON: 1/14/2025
SENATE . . . . . . . . . . . . . . No. 826
By Mr. Rush, a petition (accompanied by bill, Senate, No. 826) of Michael F. Rush and Paul
McMurtry for legislation relative to notify broker prior to termination of coverage. Financial
Services.
[SIMILAR MATTER FILED IN PREVIOUS SESSION
SEE SENATE, NO. 650 OF 2023-2024.]
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 is hereby amended by adding the following new
2section:-
3 (x) If the policy owner of a life, disability or long term care insurance policy has an agent
4of record, the insurer must also notify the agent of the impending lapse in coverage or mail or
5send electronically a copy of the notification of the impending lapse in coverage) to the agent at
6least 21 days before the effective date of any such lapse. Receipt of such notice does not make
7the agent responsible for any lapse in coverage. An insurer is not required to notify the agent
8under this section if any of the following applies: 2 of 2
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.
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.