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  "id": "ca-ins-code-10113-72",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-07",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code Section 10113.72 (the right to name someone else to be told about a lapse)",
  "publisher": "California Legislative Counsel (leginfo.legislature.ca.gov)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10113.72",
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  "sourceType": "statute",
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  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-09-06",
  "lastChecked": "2026-09-06",
  "updateCadence": "Amended only by legislation.",
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    {
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      "checksum": "623734cb9909",
      "text": "Section 10113.72 provides that an individual life insurance policy shall not be issued or delivered in this state until the applicant has been given the right to designate at least one person, in addition to the applicant, to receive notice of lapse or termination of a policy for nonpayment of premium."
    },
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      "text": "Section 10113.72 requires the insurer to provide each applicant with a form to make the designation, and requires that form to provide the opportunity to submit the name, address and telephone number of at least one person."
    },
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      "text": "Section 10113.72 requires the insurer to notify the policy owner annually of the right to change the written designation or to designate one or more persons."
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      "text": "Section 10113.72 provides that no individual life insurance policy shall lapse or be terminated for nonpayment of premium unless the insurer, at least 30 days prior to the effective date of the lapse or termination, gives notice to the policy owner and to the person or persons designated."
    }
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    {
      "kind": "Question",
      "title": "My life insurance lapsed because I missed a payment. Was the insurer allowed to do that?",
      "url": "https://bestinsuranceresearch.com/questions/life-policy-lapsed-missed-payment-california"
    },
    {
      "kind": "Coverage",
      "title": "Individual life insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/individual-life-california"
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  "citation": {
    "text": "California Legislative Counsel (leginfo.legislature.ca.gov). \"California Insurance Code Section 10113.72 (the right to name someone else to be told about a lapse).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10113.72 (retrieved 2026-09-06).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-10113-72, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-10113-72",
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