Washington
For Washington, minimum grace period is a grace period of one month, but not less than thirty days, within which the payment of any premium after the first may be made; policies covered is There shall be a provision that the insured is entitled to the grace period; per the version effective January 1, 2027, the new notice requirements do not apply to group life insurance policies, life insurance policies for which payment of premium is due monthly or more frequently, or term life insurance policies that have a term of one year or less; notice / additional protections is Effective January 1, 2027 (for policies issued on or after that date): at least 30 days before the day on which coverage under an individual life insurance policy will lapse based on nonpayment of the premium, the insurer must send a written notice of possible termination of coverage to the policyholder at the policyholder's last known address and a third party designated on the account in accordance with RCW 48.23.530. An insurer must obtain and, upon request, demonstrate proof of delivery for each notice; statute citation is RCW 48.23.030, recorded from its source on 2026-08-17.
- State
- Washington our reading
- Minimum grace period
- a grace period of one month, but not less than thirty days, within which the payment of any premium after the first may be made verified
- Policies covered
- There shall be a provision that the insured is entitled to the grace period; per the version effective January 1, 2027, the new notice requirements do not apply to group life insurance policies, life insurance policies for which payment of premium is due monthly or more frequently, or term life insurance policies that have a term of one year or less
- Notice / additional protections
- Effective January 1, 2027 (for policies issued on or after that date): at least 30 days before the day on which coverage under an individual life insurance policy will lapse based on nonpayment of the premium, the insurer must send a written notice of possible termination of coverage to the policyholder at the policyholder's last known address and a third party designated on the account in accordance with RCW 48.23.530. An insurer must obtain and, upon request, demonstrate proof of delivery for each notice.
- Statute citation
- RCW 48.23.030 our reading
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
There shall be a provision that the insured is entitled to a grace period of one month, but not less than thirty days, within which the payment of any premium after the first may be made, subject at the option of the insurer to an interest charge not in excess of six percent per annum for the number of days of grace elapsing before the payment of the premium, during which period of grace the policy shall continue in force
— app.leg.wa.gov, retrieved 2026-08-17
Source
- app.leg.wa.govhttps://app.leg.wa.gov/RCW/default.aspx?cite=48.23.030