(a)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.
(b)(1)A notice of pending lapse and termination of a life insurance policy 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.
(2)This subdivision shall not apply to nonrenewal.
(3)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. However, notices made to assignees pursuant to this section may be done electronically with the consent of the assignee.
(c)For purposes of this section, 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.
Notes of Decisions
Bentley v. United of Omaha Life Ins. Co., 371 F. Supp. 3d 723 (C.D. Cal. 2019).
· cites it 3× “The central issue presented in these motions is whether United breached its agreement with policyholders when it terminated life insurance policies included in Plaintiff's Class definition because prior to terminating these policies, it failed to provide the requisite notices…”
McHugh v. Prot. Life Ins. Co., 494 P.3d 24 (Cal. 2021).
“What they argued, among other things, is that the trial court erred by declining to decide as a matter of law whether Protective Life had complied with Insurance Code sections 10113.71 and 10113.”
Pamela Siino v. Foresters Life Ins. & Annuity Co., 133 F.4th 936 (9th Cir. 2025).
· cites it 3× “Cal. Ins. Code § 10113.71 (a). Second, they require insurers to notify policy owners of their right to designate a third party to receive notices regarding overdue premiums or impending terminations of their policy (the Designee Notice 3 Although the issuance of Siino’s policy…”
Susan Pitt v. Metro. Tower Life Ins. Co., 129 F.4th 583 (9th Cir. 2025).
· cites it 5× “SUMMARY * Certification Order / California Law The panel certified the following question to the California Supreme Court: Do California Insurance Code §§ 10113.71 and 10113.”
Clark v. Transamerica Life Ins. Co. (E.D. Cal. 2020).
· cites it 6× “BACKGROUND 2 This dispute centers around the applicability and reach of 3 California Insurance Code §§ 10113.71 and 10113.”
Barbara Linhart v. New York Life Ins. Co. (C.D. Cal. 2024).
· cites it 4× “ANALYSIS Linhart contends that the Policy remained in force at the time of James’s death, because NYLIAC failed to comply with Cal. Ins. Code §§ 10113.71 and 10113.72 (the “Statutes”).”
Allen v. Prot. Life Ins. Co. (E.D. Cal. 2020).
· cites it 3× “3 On May 6, 2020, Plaintiff served “Plaintiff Beverly Allen’s Requests for Production of 4 Documents to Defendant Protective Life Insurance Company,” requesting various documents 5 regarding the insurance policy, Protective’s general insurance administration procedures,…”
Farley v. Lincoln Benefit Life Co. (E.D. Cal. 2023).
· cites it 3× “As the court explained in its order, there is a common question of law and fact raised by 10 plaintiff’s claims: whether defendant violated California Insurance Code sections 10113.”
— Cal. Insurance Code § 10113.71(a) — 1 case
— Cal. Insurance Code § 10113.71(b)(1) — 2 cases
Farley v. Lincoln Benefit Life Co. (E.D. Cal. 2023).
“As the court explained in its order, there is a common question of law and fact raised by 10 plaintiff’s claims: whether defendant violated California Insurance Code sections 10113.”
— Cal. Insurance Code § 10113.71(b)(3) — 1 case
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