---
type: "Bill"
title: "Preventing unintentional lapses and cancellations of life insurance policies."
description: "Preventing unintentional lapses and cancellations of life insurance policies."
jurisdiction: "us/states/wa"
legislature: "Washington Legislature"
session: "2025-2026"
identifier: "HB 2428"
citation: "Washington HB 2428 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Leavitt"]
version_count: 3
action_count: 23
vote_count: 2
first_action: "2026-01-13"
last_action: "2026-03-16"
source: "openstates"
source_identifier: "ocd-bill/9e06ffdb-b2a9-4874-9e00-795b78c468ba"
source_url: "https://app.leg.wa.gov/billsummary/?BillNumber=2428&Year=2025&Initiative=false"
source_hash: "3d9e05facaa70f75a81cf855605f6e1296745b74d68eac76ed89e79762e20fa7"
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-wa"]
---

# Washington HB 2428 (2025-2026) — Preventing unintentional lapses and cancellations of life insurance policies.

## Version chain

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

1. **Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/House%20Bills/2428.htm)
2. **Substitute Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/House%20Bills/2428-S.htm)
3. **Substitute Passed Legislature** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/House%20Passed%20Legislature/2428-S.PL.htm)

## Votes

- 3rd Reading & Final Passage (#6) — **94–0** (pass) · lower
- 3rd Reading & Final Passage (#10) — **48–0** (pass) · upper

## Sponsors

- Leavitt — primary (person)
- Parshley — cosponsor (person)
- Reeves — cosponsor (person)

## Timeline

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

- **2026-01-13** First reading, referred to Consumer Protection & Business. `reading-1`
- **2026-01-23** Public hearing in the House Committee on Consumer Protection & Business at 8:00 AM.
- **2026-02-04** Executive action taken in the House Committee on Consumer Protection & Business at 1:30 PM.
- **2026-02-04** CPB - Majority; 1st substitute bill be substituted, do pass. `substitution`
- **2026-02-04** Referred to Rules 2 Review. `referral-committee`
- **2026-02-11** Rules Committee relieved of further consideration. Placed on second reading. `reading-2`
- **2026-02-12** 1st substitute bill substituted (CPB 26). `substitution`
- **2026-02-12** Rules suspended. Placed on Third Reading. `reading-3`
- **2026-02-12** Third reading, passed; yeas, 94; nays, 0; absent, 0; excused, 4. `reading-3`
- **2026-02-16** First reading, referred to Business, Trade & Economic Development. `reading-1`
- **2026-02-18** Public hearing in the Senate Committee on Business, Trade & Economic Development at 8:00 AM.
- **2026-02-19** Executive action taken in the Senate Committee on Business, Trade & Economic Development at 8:00 AM.
- **2026-02-19** BTE - Majority; do pass. `committee-passage-favorable`
- **2026-02-20** Passed to Rules Committee for second reading.
- **2026-02-27** Placed on second reading by Rules Committee. `reading-2`
- **2026-03-04** Rules suspended. Placed on Third Reading. `reading-3`
- **2026-03-04** Third reading, passed; yeas, 48; nays, 0; absent, 0; excused, 1. `reading-3`
- **2026-03-05** Speaker signed. `passage`
- **2026-03-06** President signed. `passage`
- **2026-03-06** Delivered to Governor. `executive-receipt`
- **2026-03-16** Governor signed. `executive-signature`
- **2026-03-16** Chapter 62, 2026 Laws. `became-law`
- **2026-03-16** Effective date 1/1/2027. `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9e06ffdb-b2a9-4874-9e00-795b78c468ba`. Confidence: reported (aggregated from official Washington legislature records).