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Read. Follow. Verify.Massachusetts bill requires insurers to notify brokers 21 days before life, disability, or long-term care policy lapses
Last action · January 15, 2026: Bill reported favorably by committee and referred to the committee on Senate Ways and MeansSponsors: Mike Rush and 1 other
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What This Bill Would Do
Insurers must notify a policy owner's about an impending lapse in life, disability, or long-term care insurance coverage at least 21 days before it takes effect. This requirement does not apply if the insurer uses an online notification system, has no record of an agent, or if the agent is employed by the insurer.
Insurance brokers receive advance warning of policy cancellations for clients, giving them an opportunity to intervene, while explicitly avoiding legal liability for the lapse itself.
- S826 is a Massachusetts legislative bill introduced in the 195th session by Senator Michael F. Rush. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Insurance agents of record
Insurance agents receive advance written or electronic notice at least 21 days prior to a client's policy lapse, provided certain system exceptions do not apply.
Insurers
Insurers must issue 21-day advance lapse notices to agents of record or maintain qualifying online tracking systems to qualify for exemptions.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Which types of insurance policies are covered under this bill?
Is an insurance agent legally liable if a client's policy lapses after the agent receives notice?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
5 actions- Jan 15, 2026SenateCommitteeBill reported favorably by committee and referred to the committee on Senate Ways and Means
- Jan 15, 2026SenateAccompanied by S729
- Oct 27, 2025JointHearing scheduled for 11/04/2025 from 10:30 AM-01:30 PM in A-2
- Feb 27, 2025HouseHouse concurred
- Feb 27, 2025SenateCommitteeReferred to the committee on Financial Services
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
malegislature.gov
Analysis Score
0–100- Significance45How much this matters to a regular citizen
- Controversy10Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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