Illinois 2025-2026 Regular Session

Illinois House Bill HB2425 Compare Versions

Version 1 (Old)

Version 2 (New)

Old	New		Differences
1		-	HB2425 EngrossedLRB104 11854 BAB 21944 b HB2425 Engrossed LRB104 11854 BAB 21944 b
2		-	HB2425 Engrossed LRB104 11854 BAB 21944 b
	1	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB2425 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. LRB104 11854 BAB 21944 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB2425 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. LRB104 11854 BAB 21944 b LRB104 11854 BAB 21944 b A BILL FOR
	2	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB2425 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
	3	+	215 ILCS 5/236 from Ch. 73, par. 848 215 ILCS 5/236 from Ch. 73, par. 848
	4	+	215 ILCS 5/236 from Ch. 73, par. 848
	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	+	LRB104 11854 BAB 21944 b LRB104 11854 BAB 21944 b
	7	+	LRB104 11854 BAB 21944 b
	8	+	A BILL FOR
	9	+	HB2425LRB104 11854 BAB 21944 b HB2425 LRB104 11854 BAB 21944 b
	10	+	HB2425 LRB104 11854 BAB 21944 b
3	11		1 AN ACT concerning regulation.
4	12		2 Be it enacted by the People of the State of Illinois,
5	13		3 represented in the General Assembly:
6	14		4 Section 5. The Illinois Insurance Code is amended by
7	15		5 changing Section 236 as follows:
8	16		6 (215 ILCS 5/236) (from Ch. 73, par. 848)
9	17		7 Sec. 236. Discrimination prohibited.
10	18		8 (a) No life company doing business in this State shall
11	19		9 make or permit any distinction or discrimination in favor of
12	20		10 individuals among insured persons of the same class and equal
13	21		11 expectation of life in the issuance of its policies, in the
14	22		12 amount of payment of premiums or rates charged for policies of
15	23		13 insurance, in the amount of any dividends or other benefits
16	24		14 payable thereon, or in any other of the terms and conditions of
17	25		15 the contracts it makes.
18	26		16 (b) No life company shall make or permit any distinction
19	27		17 or discrimination against individuals with disabilities in the
20	28		18 amount of payment of premiums or rates charged for policies of
21	29		19 life insurance, in the amount of any dividends or death
22	30		20 benefits payable thereon, or in any other terms and conditions
23	31		21 of the contract it makes unless the rate differential is based
24	32		22 on sound actuarial principles and a reasonable system of
25	33		23 classification and is related to actual or reasonably
26	34
27	35
28	36
29		-	HB2425 Engrossed LRB104 11854 BAB 21944 b
	37	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB2425 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
	38	+	215 ILCS 5/236 from Ch. 73, par. 848 215 ILCS 5/236 from Ch. 73, par. 848
	39	+	215 ILCS 5/236 from Ch. 73, par. 848
	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	+	LRB104 11854 BAB 21944 b LRB104 11854 BAB 21944 b
	42	+	LRB104 11854 BAB 21944 b
	43	+	A BILL FOR
30	44
31	45
32		-	HB2425 Engrossed- 2 -LRB104 11854 BAB 21944 b HB2425 Engrossed - 2 - LRB104 11854 BAB 21944 b
33		-	HB2425 Engrossed - 2 - LRB104 11854 BAB 21944 b
	46	+
	47	+
	48	+
	49	+	215 ILCS 5/236 from Ch. 73, par. 848
	50	+
	51	+
	52	+
	53	+	LRB104 11854 BAB 21944 b
	54	+
	55	+
	56	+
	57	+
	58	+
	59	+
	60	+
	61	+
	62	+
	63	+	HB2425 LRB104 11854 BAB 21944 b
	64	+
	65	+
	66	+	HB2425- 2 -LRB104 11854 BAB 21944 b HB2425 - 2 - LRB104 11854 BAB 21944 b
	67	+	HB2425 - 2 - LRB104 11854 BAB 21944 b
34	68		1 anticipated experience directly associated with the
35	69		2 disability.
36	70		3 (c) No life company shall refuse to insure, or refuse to
37	71		4 continue to insure, or limit the amount or extent or kind of
38	72		5 coverage available to an individual, or charge an individual a
39	73		6 different rate for the same coverage solely because of
40	74		7 blindness or partial blindness. With respect to all other
41	75		8 conditions, including the underlying cause of the blindness or
42	76		9 partial blindness, persons who are blind or partially blind
43	77		10 shall be subject to the same standards of sound actuarial
44	78		11 principles or actual or reasonably anticipated experience as
45	79		12 are sighted persons. Refusal to insure includes denial by an
46	80		13 insurer of disability insurance coverage on the grounds that
47	81		14 the policy defines "disability" as being presumed in the event
48	82		15 that the insured loses his or her eyesight. However, an
49	83		16 insurer may exclude from coverage disabilities consisting
50	84		17 solely of blindness or partial blindness when such condition
51	85		18 existed at the time the policy was issued.
52	86		19 (d) No life company shall refuse to insure or to continue
53	87		20 to insure an individual solely because of the individual's
54	88		21 status as a member of the United States Air Force, Army, Coast
55	89		22 Guard, Marines, or Navy or solely because of the individual's
56	90		23 status as a member of the National Guard or Armed Forces
57	91		24 Reserve.
58	92		25 (e) An insurer or producer authorized to issue policies of
59	93		26 insurance in this State may not make a distinction or
60	94
61	95
62	96
63	97
64	98
65		-	HB2425 ~~Engrossed~~ - 2 - LRB104 11854 BAB 21944 b
	99	+	HB2425 - 2 - LRB104 11854 BAB 21944 b
66	100
67	101
68		-	HB2425 Engrossed- 3 -LRB104 11854 BAB 21944 b HB2425 Engrossed - 3 - LRB104 11854 BAB 21944 b
69		-	HB2425 Engrossed - 3 - LRB104 11854 BAB 21944 b
70		-	1 otherwise discriminate between persons, reject an applicant,
71		-	2 cancel a policy, or demand or require a higher rate of premium
72		-	3 for reasons based solely upon an applicant's or insured's past
73		-	4 lawful travel experiences or future lawful travel plans. This
74		-	5 subsection (e) does not prohibit an insurer or producer from
75		-	6 excluding or limiting coverage under a policy or refusing to
76		-	7 offer the policy based upon past lawful travel or future
77		-	8 lawful travel plans or from charging a different rate for that
78		-	9 coverage when that action is based upon sound actuarial
79		-	10 principles or is related to actual or reasonably expected
80		-	11 experience and is not based solely on the destination's
81		-	12 inclusion on the United States Department of State's travel
82		-	13 warning list.
83		-	14 (f) With respect to life insurance final expense policies,
84		-	15 no life company authorized to issue these policies in this
85		-	16 State shall refuse to insure an individual; refuse to continue
86		-	17 to insure an indiviudal; limit the amount, extent, or kind of
87		-	18 coverage available to an individual; or charge an individual a
88		-	19 different rate for the same coverage solely on the basis that
89		-	20 an insured or applicant has been convicted of a felony.
90		-	21 Nothing in this subsection shall be construed to require a
91		-	22 life company to issue or otherwise provide coverage for a life
92		-	23 insurance policy to a person who is actively incarcerated
93		-	24 pursuant to a felony conviction. As used in this subsection,
94		-	25 "final expense policy" means a policy marketed and sold
95		-	26 exclusively to cover costs associated with funeral and burial
	102	+	HB2425- 3 -LRB104 11854 BAB 21944 b HB2425 - 3 - LRB104 11854 BAB 21944 b
	103	+	HB2425 - 3 - LRB104 11854 BAB 21944 b
96	104
97	105
98	106
99	107
100	108
101		-	HB2425 Engrossed - 3 - LRB104 11854 BAB 21944 b
102		-
103		-
104		-	HB2425 Engrossed- 4 -LRB104 11854 BAB 21944 b HB2425 Engrossed - 4 - LRB104 11854 BAB 21944 b
105		-	HB2425 Engrossed - 4 - LRB104 11854 BAB 21944 b
106		-	1 expenses.
107		-	2 (Source: P.A. 99-143, eff. 7-27-15.)
108		-
109		-
110		-
111		-
112		-
113		-	HB2425 Engrossed - 4 - LRB104 11854 BAB 21944 b
	109	+	HB2425 - 3 - LRB104 11854 BAB 21944 b