Around the PIA Western Alliance States – Week of November 27, 2023

Washington — Audio-only telemedicine report: In 2021, the Washington state Legislature enacted Engrossed Substitute House Bill (ESHB) 1196, concerning audio-only telemedicine. In accordance with Section 8 of ESHB 1196, OIC has published its report on audio-only telemedicine.

For more information, including a copy of the report, please visit the OIC’s legislative and commissioner reports webpage.

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Washington — Life Insurance Riders and Disclosure Requirements: We have released the proposed rule language for life insurance riders and disclosure requirements on (R 2023-08). The proposed rule attempts to resolve misalignment identified between rules and laws in the Insurance Code. The rules in Chapter 284-23 WAC do not align with the laws in Chapter 48.83 RCW, as applied to life insurance with riders for accelerated benefits and long-term care insurance (LTCi). The rules currently prohibit life insurers from offering life insurance policies with riders that have accelerated benefits for LTCi and require disclosure statements communicating this prohibition. This contradicts current law that allows life insurance policies and riders to fund LTCi benefits through the acceleration of the policy’s death benefits under certain conditions (see WAC 284-23-650, RCW 48.83.010(3), 48.83.020(5)(a), and 48.83.080).

We scheduled a public hearing on the rule:

When: Wednesday, December 27, 2023, at 9:00 AM

Where: Virtually via Zoom Meetings – Please visit this website for the Zoom Meeting registration and link:

Comments on the proposed rule language are due by close of business (5 PM PST) on Thursday, December 28, 2023. Please send any written comments via email to For more information, including the proposed rule language (CR-102), please visit the rule’s webpage.

About PIA Western Alliance

The Professional Insurance Agents Western Alliance is a membership organization promoting and enhancing the success of independent agencies seeking to grow, learn and be heard within the industry.


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