An Act Regarding Pre-need Funeral Insurance
Sponsored By: Joshua Morris (Republican)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Stronger rules for pre-need funeral sales
Sellers of pre-need funeral insurance must give clear written disclosures before taking your first payment. You see the goods and services, prices, any guarantees, relationships, and if commissions are paid. You are told if the policy amount cannot be more than the plan’s maximum and what happens if costs differ. Insurers cannot make deals that force a specific funeral provider to do the funeral. Funeral homes and licensees cannot solicit prearranged plans; they can sell only when you contact them and they follow the law.
Life insurance can fund your funeral
You can fund a prearranged funeral with a pre-need life insurance policy. You or your legal representative can assign the policy proceeds to the funeral business to be paid at death. The policy amount cannot be more than the total goods and services in the plan. The agreement must be in writing, and you get a copy. The state board sets standard forms and content for these insurance-funded agreements.
Funeral homes can sell insurance and earn commissions
Licensed funeral practitioners and funeral homes may act as insurance producers if they meet licensing rules. A dual-licensed seller may receive commissions on pre-need insurance sales. Mortuary trustees or payees may receive insurer commissions for buying insurance used in a trust. These changes create a clear way for funeral businesses to sell and be paid for insurance tied to prearranged funerals.
Sponsors & Cosponsors
Sponsor
Joshua Morris
Republican • House
Cosponsors
Anne-Marie Mastraccio
Democratic • House
David Haggan
Republican • Senate
Joseph M. Baldacci
Democratic • Senate
Paul Flynn
Republican • House
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Signed by Governor, ACTPUB Chapter 203
6/9/2025PASSED TO BE ENACTED, in concurrence.
6/2/2025SenatePASSED TO BE ENACTED. Sent for concurrence. ORDERED SENT FORTHWITH.
5/29/2025HouseReport READ and ACCEPTED, in concurrence.READ ONCE.Committee Amendment "A" (H-274) READ and ADOPTED, in concurrence.Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED BY Committee Amendment "A" (H-274), in concurrence.Ordered sent down forthwith.
5/28/2025SenateCONSENT CALENDAR - FIRST DAYUnder suspension of the rules CONSENT CALENDAR - SECOND DAY.The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (H-274).Sent for concurrence. ORDERED SENT FORTHWITH.
5/27/2025HouseCarried over, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519.
3/21/2025HouseThe Bill was REFERRED to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES in concurrence
3/4/2025SenateCommittee on Health Coverage, Insurance and Financial Services suggested and ordered printed. The Bill was REFERRED to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES.Sent for concurrence. ORDERED SENT FORTHWITH.
3/4/2025House
Bill Text
Amendment C-A (H-274), adopted by House & Senate
Enacted
Introduced
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