Life Insurance Policies Can Now Be Emailed in Pennsylvania

This update in state law makes this process less cumbersome for both the customer and the company.” Under the new measure, proof of delivery will be considered to have been established by the physical mailing to the policy owner or the recorded date of electronic transmission, pending the customer’s agreement to the format.

Pennsylvania life insurance policy owners and annuity holders can now organize their documents more efficiently, thanks to a bill enacted Friday modernizing older policy law.

House Bill 972 became Act 30 of 2015 when passed last week, according to the bill’s author, Rep. Tina Pickett (R-110).

The regulation gives life insurance companies the option to send policies and annuities to their customers electronically, if so selected by the consumer.

Companies will still have the ability to deliver paperwork via the U.S. Postal Service or other postal delivery method.

The legislation updates the existing Insurance Company Law of 1921. “State laws need to keep up-to-date with current technology, and that also includes our insurance laws,” said Pickett, chair of the House Insurance Committee. “Before this law, insurers were required to either hand deliver or send via certified mail to a policyholder an insurance policy or annuity. 

In the event of a disagreement, the burden of proof will remain with the insurer to verify delivery. Act 30 will be effective 60 days after being signed by Gov. Tom Wolf.