---
type: "Bill"
title: "Life Insurance"
description: "AN ACT TO AMEND THE CODE OF LAWS OF SOUTH CAROLINA, 1976, BY ADDING SECTION 38-63-230 SO AS TO PROVIDE FOR MUTUAL RESCISSION OF INDIVIDUAL LIFE INSURANCE POLICIES; AND TO AMEND SECTION 38-63-220, RELATING TO REQUIRED INDIVIDUAL LIFE INSURANCE POLICY PROVISIONS, SO AS TO ALLOW FOR THE MUTUAL DECISION TO TERMINATE OR RESCIND A POLICY OF INSURANCE. - ratified title"
jurisdiction: "us/states/sc"
legislature: "South Carolina General Assembly"
session: "2021-2022"
identifier: "H 4220"
citation: "South Carolina H 4220 (2021-2022)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Hardee", "Sandifer"]
version_count: 7
action_count: 26
vote_count: 3
first_action: "2021-04-15"
last_action: "2022-05-31"
source: "openstates"
source_identifier: "ocd-bill/dc4e235d-0c06-45c2-9b73-e7afe9384a91"
source_url: "https://www.scstatehouse.gov/billsearch.php?billnumbers=4220&session=124&summary=B"
source_hash: "fa83bfb97636535c4ed63e2c3076e46bcff3b051a1e7e4f9fc9646ec68eb59cd"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-sc"]
---

# South Carolina H 4220 (2021-2022) — Life Insurance

AN ACT TO AMEND THE CODE OF LAWS OF SOUTH CAROLINA, 1976, BY ADDING SECTION 38-63-230 SO AS TO PROVIDE FOR MUTUAL RESCISSION OF INDIVIDUAL LIFE INSURANCE POLICIES; AND TO AMEND SECTION 38-63-220, RELATING TO REQUIRED INDIVIDUAL LIFE INSURANCE POLICY PROVISIONS, SO AS TO ALLOW FOR THE MUTUAL DECISION TO TERMINATE OR RESCIND A POLICY OF INSURANCE. - ratified title

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Filed** (filed) — [source](https://www.scstatehouse.gov/sess124_2021-2022/bills/4220.htm)
2. **2/24/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20220224.htm)
3. **3/30/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20220330.htm)
4. **4/15/2021** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20210415.htm)
5. **4/26/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20220426.htm)
6. **5/10/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20220510.htm)
7. **5/12/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/4220_20220512.htm)

## Votes

- Passage of Bill — **95–5** (pass) · lower
- Concur in Senate Amendments — **98–0** (pass) · lower
- 2nd Reading — **44–0** (pass) · upper

## Sponsors

- Hardee — primary (person)
- Sandifer — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-04-15** Introduced and read first time `introduction, reading-1`
- **2021-04-15** Referred to Committee on Labor, Commerce and Industry `referral-committee`
- **2022-02-24** Committee report: Favorable with amendment Labor, Commerce and Industry `committee-passage-favorable`
- **2022-03-01** Member(s) request name added as sponsor: Murray
- **2022-03-01** Requests for debate-Rep(s). Wheeler, Weeks, Stavrinakis, Wetmore, KO Johnson, Daning, Garvin, Tedder, Finlay, S. Williams, McCravy, Herbkersman, Bernstein, JA Moore, Henderson-Myers, McDaniel, King, Gilliard, Brawley, Howard, Hosey, Henegan, Alexander, Magnuson, Pope, Felder, McKnight, Hiott, Bryant, T. Moore, Dabney, Hixon, Carter, and May
- **2022-03-03** Member(s) request name removed as sponsor: Murray
- **2022-03-09** Debate adjourned
- **2022-03-10** Debate adjourned
- **2022-03-30** Amended `amendment-passage`
- **2022-03-30** Read second time `reading-2`
- **2022-03-30** Roll call Yeas-95 Nays-5
- **2022-03-31** Read third time and sent to Senate `passage, reading-3`
- **2022-03-31** Introduced and read first time `introduction, reading-1`
- **2022-03-31** Referred to Committee on Banking and Insurance `referral-committee`
- **2022-04-26** Committee report: Favorable Banking and Insurance `committee-passage-favorable`
- **2022-05-10** Amended `amendment-passage`
- **2022-05-10** Read second time `reading-2`
- **2022-05-10** Roll call Ayes-44 Nays-0
- **2022-05-11** Read third time and returned to House with amendments `passage, reading-3`
- **2022-05-12** Concurred in Senate amendment and enrolled
- **2022-05-12** Roll call Yeas-98 Nays-0
- **2022-05-12** Scrivener's error corrected
- **2022-05-12** Ratified R 212
- **2022-05-16** Signed By Governor `executive-signature`
- **2022-05-31** Effective date 05/16/22
- **2022-05-31** Act No. 191

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/dc4e235d-0c06-45c2-9b73-e7afe9384a91`. Confidence: reported (aggregated from official South Carolina legislature records).