republic-os/legislation/us/states/ca/20132014/ab-2578.md

---
type: "Bill"
title: "Insurance: disability insurance: life insurance: accelerated death benefit."
description: "Existing law governs the business of insurance, and defines various types of insurance for these purposes, including life insurance and disability insurance. Existing law generally makes the requirements imposed on disability insurance contracts inapplicable to life insurance, endowment, and annuity contracts, or supplemental contracts thereto, that provide supplemental benefits in case of death or dismemberment or loss of sight by accident, operate to safeguard contracts against lapse, or give a special surrender benefit or an accelerated death benefit, as specified. Existing law requires that the supplemental benefit provide that the insurer may require that the insured provide written proof of occurrence or loss no less than 90 days after the termination of the period for which the insurer is liable, and, in the case of claim for any other occurrence or loss, within 90 days after the date of the occurrence or loss. Existing law also requires that supplemental benefits specify any applicable exclusions and limits those exclusions to, among other things, a condition or loss caused by engaging in an illegal occupation."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20132014"
identifier: "AB 2578"
citation: "California AB 2578 (20132014)"
classification: ["bill"]
subjects: ["Insurance: disability insurance: life insurance: accelerated death benefit."]
status: "enacted"
primary_sponsors: ["Dababneh"]
version_count: 6
action_count: 21
vote_count: 5
first_action: "2014-02-21"
last_action: "2014-09-16"
source: "openstates"
source_identifier: "ocd-bill/caae3122-ad73-4272-9546-f8c7d2de715e"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB2578"
source_hash: "16577f56e0960c653bb24a04a5bb4d11b06eaf7099c55fdafd4219965495c180"
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-ca"]
---

# California AB 2578 (20132014) — Insurance: disability insurance: life insurance: accelerated death benefit.

Existing law governs the business of insurance, and defines various types of insurance for these purposes, including life insurance and disability insurance. Existing law generally makes the requirements imposed on disability insurance contracts inapplicable to life insurance, endowment, and annuity contracts, or supplemental contracts thereto, that provide supplemental benefits in case of death or dismemberment or loss of sight by accident, operate to safeguard contracts against lapse, or give a special surrender benefit or an accelerated death benefit, as specified. Existing law requires that the supplemental benefit provide that the insurer may require that the insured provide written proof of occurrence or loss no less than 90 days after the termination of the period for which the insurer is liable, and, in the case of claim for any other occurrence or loss, within 90 days after the date of the occurrence or loss. Existing law also requires that supplemental benefits specify any applicable exclusions and limits those exclusions to, among other things, a condition or loss caused by engaging in an illegal occupation.

## Version chain

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

1. **02/21/14 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB2578&version=20130AB257899INT)
2. **04/07/14 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB2578&version=20130AB257898AMD)
3. **06/19/14 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB2578&version=20130AB257897AMD)
4. **09/16/14 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB2578&version=20130AB257895CHP)
5. **AB2578** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB2578)
6. **08/21/14 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB2578&version=20130AB257896ENR)

## Votes

- AB 2578 DABABNEH Concurrence in Senate Amendments — **77–1** (pass) · lower
- AB 2578 DABABNEH Consent Calendar Second Day — **78–0** (pass) · lower
- Do pass and be placed on the Consent Calendar. — **10–0** (pass) · upper
- Do pass, to Consent Calendar. — **12–0** (pass) · lower
- Consent Calendar 2nd — **35–0** (pass) · upper

## Sponsors

- Dababneh — primary (person)

## Timeline

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

- **2014-02-21** Introduced. To print. `introduction`
- **2014-02-23** From printer. May be heard in committee March 25.
- **2014-02-24** Read first time. `reading-1`
- **2014-03-13** Referred to Com. on INS. `referral-committee`
- **2014-04-07** From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. `amendment-introduction, amendment-passage, reading-2, reading-1`
- **2014-04-08** Re-referred to Com. on INS. `referral-committee`
- **2014-05-07** From committee: Do pass. To consent calendar. (Ayes 12. Noes 0.) (May 7). `committee-passage-favorable, committee-passage`
- **2014-05-08** Read second time. Ordered to consent calendar. `reading-2, reading-1`
- **2014-05-15** Read third time. Passed. Ordered to the Senate. (Ayes 78. Noes 0. Page 4968.) `reading-3, reading-1, passage`
- **2014-05-15** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2014-05-22** Referred to Com. on INS. `referral-committee`
- **2014-06-03** In committee: Set, first hearing. Hearing canceled at the request of author.
- **2014-06-19** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS. `amendment-introduction, amendment-passage, reading-2, reading-1, referral-committee`
- **2014-06-26** From committee: Do pass. To consent calendar. (Ayes 10. Noes 0.) (June 25). `committee-passage-favorable, committee-passage`
- **2014-06-30** Read second time. Ordered to consent calendar. `reading-2, reading-1`
- **2014-07-03** Read third time. Passed. Ordered to the Assembly. (Ayes 35. Noes 0. Page 4252.). `reading-3, reading-1, passage`
- **2014-07-03** In Assembly. Concurrence in Senate amendments pending. May be considered on or after August 1 pursuant to Assembly Rule 77.
- **2014-08-19** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 77. Noes 1. Page 6180.). `committee-passage-favorable, amendment-passage`
- **2014-09-02** Enrolled and presented to the Governor at 4 p.m.
- **2014-09-16** Approved by the Governor. `executive-signature`
- **2014-09-16** Chaptered by Secretary of State - Chapter 360, Statutes of 2014.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/caae3122-ad73-4272-9546-f8c7d2de715e`. Confidence: reported (aggregated from official California legislature records).