Illinois 2023-2024 Regular Session

Illinois House Bill HB1068 Compare Versions

Only one version of the bill is available at this time.

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1	1	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB1068 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED: 215 ILCS 5/236 from Ch. 73, par. 848 Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in the State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon the basis that an applicant or insured has been convicted of a felony. LRB103 00058 BMS 45058 b A BILL FOR 103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB1068 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED: 215 ILCS 5/236 from Ch. 73, par. 848 215 ILCS 5/236 from Ch. 73, par. 848 Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in the State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon the basis that an applicant or insured has been convicted of a felony. LRB103 00058 BMS 45058 b LRB103 00058 BMS 45058 b A BILL FOR
2	2	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB1068 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
3	3	215 ILCS 5/236 from Ch. 73, par. 848 215 ILCS 5/236 from Ch. 73, par. 848
4	4	215 ILCS 5/236 from Ch. 73, par. 848
5	5	Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in the State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon the basis that an applicant or insured has been convicted of a felony.
6	6	LRB103 00058 BMS 45058 b LRB103 00058 BMS 45058 b
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8	8	A BILL FOR
9	9	HB1068LRB103 00058 BMS 45058 b HB1068 LRB103 00058 BMS 45058 b
10	10	HB1068 LRB103 00058 BMS 45058 b
11	11	1 AN ACT concerning regulation.
12	12	2 Be it enacted by the People of the State of Illinois,
13	13	3 represented in the General Assembly:
14	14	4 Section 5. The Illinois Insurance Code is amended by
15	15	5 changing Section 236 as follows:
16	16	6 (215 ILCS 5/236) (from Ch. 73, par. 848)
17	17	7 Sec. 236. Discrimination prohibited.
18	18	8 (a) No life company doing business in this State shall
19	19	9 make or permit any distinction or discrimination in favor of
20	20	10 individuals among insured persons of the same class and equal
21	21	11 expectation of life in the issuance of its policies, in the
22	22	12 amount of payment of premiums or rates charged for policies of
23	23	13 insurance, in the amount of any dividends or other benefits
24	24	14 payable thereon, or in any other of the terms and conditions of
25	25	15 the contracts it makes.
26	26	16 (b) No life company shall make or permit any distinction
27	27	17 or discrimination against individuals with disabilities in the
28	28	18 amount of payment of premiums or rates charged for policies of
29	29	19 life insurance, in the amount of any dividends or death
30	30	20 benefits payable thereon, or in any other terms and conditions
31	31	21 of the contract it makes unless the rate differential is based
32	32	22 on sound actuarial principles and a reasonable system of
33	33	23 classification and is related to actual or reasonably
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37	37	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB1068 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
38	38	215 ILCS 5/236 from Ch. 73, par. 848 215 ILCS 5/236 from Ch. 73, par. 848
39	39	215 ILCS 5/236 from Ch. 73, par. 848
40	40	Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in the State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon the basis that an applicant or insured has been convicted of a felony.
41	41	LRB103 00058 BMS 45058 b LRB103 00058 BMS 45058 b
42	42	LRB103 00058 BMS 45058 b
43	43	A BILL FOR
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49	49	215 ILCS 5/236 from Ch. 73, par. 848
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68	68	1 anticipated experience directly associated with the
69	69	2 disability.
70	70	3 (c) No life company shall refuse to insure, or refuse to
71	71	4 continue to insure, or limit the amount or extent or kind of
72	72	5 coverage available to an individual, or charge an individual a
73	73	6 different rate for the same coverage solely because of
74	74	7 blindness or partial blindness. With respect to all other
75	75	8 conditions, including the underlying cause of the blindness or
76	76	9 partial blindness, persons who are blind or partially blind
77	77	10 shall be subject to the same standards of sound actuarial
78	78	11 principles or actual or reasonably anticipated experience as
79	79	12 are sighted persons. Refusal to insure includes denial by an
80	80	13 insurer of disability insurance coverage on the grounds that
81	81	14 the policy defines "disability" as being presumed in the event
82	82	15 that the insured loses his or her eyesight. However, an
83	83	16 insurer may exclude from coverage disabilities consisting
84	84	17 solely of blindness or partial blindness when such condition
85	85	18 existed at the time the policy was issued.
86	86	19 (d) No life company shall refuse to insure or to continue
87	87	20 to insure an individual solely because of the individual's
88	88	21 status as a member of the United States Air Force, Army, Coast
89	89	22 Guard, Marines, or Navy or solely because of the individual's
90	90	23 status as a member of the National Guard or Armed Forces
91	91	24 Reserve.
92	92	25 (e) An insurer or producer authorized to issue policies of
93	93	26 insurance in this State may not make a distinction or
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104	104	1 otherwise discriminate between persons, reject an applicant,
105	105	2 cancel a policy, or demand or require a higher rate of premium
106	106	3 for reasons based solely upon an applicant's or insured's past
107	107	4 lawful travel experiences or future lawful travel plans. This
108	108	5 subsection (e) does not prohibit an insurer or producer from
109	109	6 excluding or limiting coverage under a policy or refusing to
110	110	7 offer the policy based upon past lawful travel or future
111	111	8 lawful travel plans or from charging a different rate for that
112	112	9 coverage when that action is based upon sound actuarial
113	113	10 principles or is related to actual or reasonably expected
114	114	11 experience and is not based solely on the destination's
115	115	12 inclusion on the United States Department of State's travel
116	116	13 warning list.
117	117	14 (f) An insurer or producer authorized to issue policies of
118	118	15 insurance in this State may not make a distinction or
119	119	16 otherwise discriminate between persons, reject an applicant,
120	120	17 cancel a policy, or demand or require a higher rate of premium
121	121	18 for reasons based solely upon the basis that an applicant or
122	122	19 insured has been convicted of a felony.
123	123	20 (Source: P.A. 99-143, eff. 7-27-15.)
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