Washington § 48.23.525 - Individual life insurance — Noninsurance benefits — Rules.

Full text of Washington Revised Code of Washington § 48.23.525 — Individual life insurance — Noninsurance benefits — Rules., with citation guidance and answers to common questions.

§ 48.23.525. Individual life insurance — Noninsurance benefits — Rules.

(1) A life insurer may include the following noninsurance benefits as part of a policy of individual life insurance, with the prior approval of the commissioner:

(a) Will preparation services;

(b) Financial planning and estate planning services;

(d) Products or services related to any policy of individual life insurance that are intended to incent behavioral changes that improve the health and reduce the risk of death of the insured; and

(e) Such other services as the commissioner may identify by rule.

(2) For products and services referenced in subsection (1)(d) of this section, the commissioner may adopt rules that include minimum product or service standards to protect policyholder privacy rights; establish standards for ensuring that incentives, in the aggregate, are directed to sharing the benefit of improving risk experience; and implement consumer protection design and administration of such product or service.

(3) The commissioner may adopt rules to ensure disclosure of the noninsurance benefits permitted under this section, including but not limited to guidelines concerning the provision of the coverage.

(4) Those providing the services listed in subsection (1) of this section must be appropriately licensed.

(5) This section does not require the commissioner to approve any particular proposed noninsurance benefit. The commissioner may disapprove any proposed noninsurance benefit that the commissioner determines may tend to promote or facilitate the violation of any other section of this title.

(6) This section does not expand, limit, or otherwise affect the authority and ethical obligations of those who are authorized by the state supreme court to practice law in this state. This section does not limit the prohibition against the unauthorized practice of law under chapter 2.48 RCW.

(7) This section does not affect the application of chapter 21.20 RCW.

[ 2020 c 197 s 4; 2009 c 76 s 1.]

Notes

Effective date—2020 c 197: See note following RCW 48.30.140.

Source: official Washington text · Last verified 2026-08-27

Frequently Asked Questions About Washington § 48.23.525

What does Revised Code of Washington § 48.23.525 cover?

Section 48.23.525 ("Individual life insurance — Noninsurance benefits — Rules.") is part of the Revised Code of Washington, the codified statutory law of Washington. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.

How do I cite Washington § 48.23.525?

A common citation format is "Revised Code of Washington § 48.23.525" (Washington). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.

Is this the official text of Washington law?

No. This page is for research and education and may not include the most recent amendments. For official current law, check the Washington official source linked on this page or consult a licensed Washington attorney.

How does Washington § 48.23.525 apply to my situation?

Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Washington can advise on how this section applies to you. Contact your state or local bar association for a referral.

Sources & Verification

Official text of § 48.23.525 at the Washington source

Not legal advice. Verify against the official source and consult a licensed attorney in Washington.