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Bill

SB 23

Requiring agents and insurers to respond to inquiries from the commissioner of insurance within 14 calendar days and authorizing certain rebate pilot programs to exceed one year in duration.

2025-2026 Regular Session

Kansas requires insurers to answer insurance commissioner inquiries within 14 days and allows extended rebate pilot programs exceeding one year.

Enrolled and presented to Governor on Friday, April 3, 2026
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Bill Summary · SB 23

Legislative bill overview

SB 23 requires insurance agents and insurers to respond to inquiries from Kansas's insurance commissioner within 14 calendar days and allows certain insurance rebate pilot programs to operate for longer than one year. The bill streamlines regulatory communication while providing flexibility for experimental insurance discount programs.

Why is this important

Insurance regulators need timely information to protect consumers and enforce rules effectively; faster response requirements help commissioners investigate complaints and verify compliance more efficiently. The extended pilot program authorization allows the state to test innovative rebate structures that could benefit consumers without immediately mandating statewide implementation.

Potential points of contention

  • Compliance burden: Insurance companies and agents may argue that 14 days is insufficient time to gather and compile detailed information, particularly for complex inquiries spanning multiple policies or claims.
  • Pilot program scope: Unclear whether extended rebate programs could disadvantage consumers not participating in pilots, or whether approval authority and oversight mechanisms adequately prevent abuse.
  • Enforcement mechanism: The bill does not explicitly specify penalties for non-compliance with the 14-day response requirement, potentially limiting its enforceability.

Compiled from official sources — confirm details with the bill’s official record.

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