# California — Life insurance premium grace periods and lapse protections by US state

For California, minimum grace period is a grace period of not less than 60 days from the premium due date. The 60-day grace period shall not run concurrently with the period of paid coverage; policies covered is Each life insurance policy issued or delivered in this state; a life insurance policy includes, but is not limited to, an individual life insurance policy and a group life insurance policy, except where otherwise provided; notice / additional protections is A notice of pending lapse and termination shall not be effective unless mailed by the insurer to the named policy owner, a designee named pursuant to Section 10113.72 for an individual life insurance policy, and a known assignee or other person having an interest in the individual life insurance policy, at least 30 days prior to the effective date of termination if termination is for nonpayment of premium. Notice shall be given to the policy owner and to the designee by first-class United States mail within 30 days after a premium is due and unpaid; statute citation is Cal. Ins. Code § 10113.71, recorded from its source on 2026-08-17.

- **State:** California _(our reading, not quoted from the source)_
- **Minimum grace period:** a grace period of not less than 60 days from the premium due date. The 60-day grace period shall not run concurrently with the period of paid coverage _(verified: appears in the quote below)_
- **Policies covered:** Each life insurance policy issued or delivered in this state; a life insurance policy includes, but is not limited to, an individual life insurance policy and a group life insurance policy, except where otherwise provided
- **Notice / additional protections:** A notice of pending lapse and termination shall not be effective unless mailed by the insurer to the named policy owner, a designee named pursuant to Section 10113.72 for an individual life insurance policy, and a known assignee or other person having an interest in the individual life insurance policy, at least 30 days prior to the effective date of termination if termination is for nonpayment of premium. Notice shall be given to the policy owner and to the designee by first-class United States mail within 30 days after a premium is due and unpaid.
- **Statute citation:** Cal. Ins. Code § 10113.71 _(our reading, not quoted from the source)_

## What the source says

> Each life insurance policy issued or delivered in this state shall contain a provision for a grace period of not less than 60 days from the premium due date. The 60-day grace period shall not run concurrently with the period of paid coverage. The provision shall provide that the policy shall remain in force during the grace period.

## Source

- https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10113.71

Last verified: 2026-08-17. Review by: 2027-08-17.
Part of [Life insurance premium grace periods and lapse protections by US state](https://referencesource.org/life-insurance-grace-periods-by-state/).