Wash. Rev. Code » Title 48 · Chapter 48.34
Revised Code of Washington

Wash. Rev. Code § 48.34.090 (2026)

✓ current as of May 2026
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(1) All credit life insurance and credit accident and health insurance shall be evidenced by an individual policy, or in the case of group insurance by a certificate of insurance, which individual policy or group certificate of insurance shall be delivered to the debtor.
(2) Each individual policy or group certificate of credit life insurance, and/or credit accident and health insurance shall, in addition to other requirements of law, set forth the name and home office address of the insurer, the name or names of the debtor or in the case of a certificate under a group policy, the identity by name or otherwise of the debtor, the premium or amount of payment, if any, by the debtor separately for credit life insurance and credit accident and health insurance, a description of the coverage including the amount and term thereof, and any exceptions, limitations and restrictions, and shall state that the benefits shall be paid to the creditor to reduce or extinguish the unpaid indebtedness and, wherever the amount of insurance exceeds the unpaid indebtedness, that any such excess shall be payable to a beneficiary, other than the creditor, named by the debtor or to the debtor's estate. With respect to any policy issued after September 8, 1975, credit life insurance shall not be subject to any exceptions or reductions other than for fraud, or for suicide occurring within two years of the effective date of the insurance.
(3) The individual policy or group certificate of insurance shall be delivered to the insured debtor at the time the indebtedness is incurred except as provided in subsections (4) and (5).
(4) If such individual policy or group certificate of insurance is not delivered to the debtor at the time the indebtedness is incurred, a copy of the application for such policy or a notice of proposed insurance, signed by the debtor and setting forth the name and home office address of the insurer; the name or names of the debtor; the premium or amount of payment by the debtor, if any, separately for credit life insurance and credit accident and health insurance; the amount, term and a brief description of the coverage provided, shall be delivered to the debtor at the time such indebtedness is incurred. The copy of the application for, or notice of proposed insurance, shall also refer exclusively to insurance coverage, and shall be separate and apart from the loan, sale or other credit statement of account, instrument, or agreement, or the application for any such loan, sale or credit, unless the information required by this subsection is prominently set forth therein under a descriptive heading which shall be underlined and printed in capital letters. Upon acceptance of the insurance by the insurer and within thirty days of the date upon which the indebtedness is incurred, the insurer shall cause the individual policy or group certificate of insurance to be delivered to the debtor. The application or notice of proposed insurance shall state that upon acceptance by the insurer, the insurance shall become effective as provided in RCW 48.34.080.
(5) If the named insurer does not accept the risk, then the debtor shall receive a policy or certificate of insurance setting forth the name and home office address of the substituted insurer and the amount of the premium to be charged, and if the amount of premium is less than that set forth in the notice of proposed insurance an appropriate refund shall be made.
[ 1975 1st ex.s. c 266 s 13; 1961 c 219 s 9.]

Notes:

Severability—1975 1st ex.s. c 266: See note following RCW 48.01.010.
Notes of Decisions
Cited in 3 cases, 1981–2000 · leading case: Uslife Credit Life Ins. v. McAfee, 630 P.2d 450 (Wash. Ct. App. 1981).
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Uslife Credit Life Ins. v. McAfee, 630 P.2d 450 (Wash. Ct. App. 1981). “RCW 48.34.090(2). No health exceptions, limitations or restrictions were set out in any of the policies and certificates in this case.”
Abbott v. Cuna Mut. Ins. Soc'y, 102 Wash. App. 519 (Wash. Ct. App. 2000). · cites it 4× “In Washington, both RCW 48.34.090(2) and Leuning v. Hill recognize this need for an alternate beneficiary.”
Abbott v. Cuna Mut. Ins. Soc., 7 P.3d 852 (Wash. Ct. App. 2000). · cites it 4× “In Washington, both RCW 48.34.090(2) and Leuning v. Hill recognize this need for an alternate beneficiary.”
— Wash. Rev. Code § 48.34.090(2) — 3 cases
Uslife Credit Life Ins. v. McAfee, 630 P.2d 450 (Wash. Ct. App. 1981). “RCW 48.34.090(2). No health exceptions, limitations or restrictions were set out in any of the policies and certificates in this case.”
Abbott v. Cuna Mut. Ins. Soc'y, 102 Wash. App. 519 (Wash. Ct. App. 2000). “In Washington, both RCW 48.34.090(2) and Leuning v. Hill recognize this need for an alternate beneficiary.”
Abbott v. Cuna Mut. Ins. Soc., 7 P.3d 852 (Wash. Ct. App. 2000). “In Washington, both RCW 48.34.090(2) and Leuning v. Hill recognize this need for an alternate beneficiary.”
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