# Georgia SB 109: Life Insurance; a policy of group life insurance from excluding or restricting liability for certain deaths occurring while an individual is an active duty service member; prohibit

Georgia SB 109, Life Insurance; a policy of group life insurance from excluding or restricting liability for certain deaths occurring while an individual is an active duty service member; prohibit, is a 2025-2026 Regular Session Senate bill sponsored by John Albers (Republican), Tonya Anderson (Democrat), Brandon Beach (Republican) and 27 others; status signed, last action 2025-06-01 (Effective Date); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/GA-SB109-2025-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Georgia SB 109
- State: Georgia
- Session: 2025-2026 Regular Session
- Title: Life Insurance; a policy of group life insurance from excluding or restricting liability for certain deaths occurring while an individual is an active duty service member; prohibit
- Status: signed
- Chamber: Senate
- Introduced: 2025-02-05
- Last action: 2025-06-01, Effective Date
- Sponsors: John Albers (Republican), Tonya Anderson (Democrat), Brandon Beach (Republican), Gail Davenport (Democrat), Russ Goodman (Republican), Sonya Halpern (Democrat), Ed Harbison (Democrat), Sally Harrell (Democrat), Kim Jackson (Democrat), Donzella James (Democrat), Harold Jones II (Democrat), RaShaun Kemp (Democrat), Kay Kirkpatrick (Republican), David Lucas (Democrat), Randal Mangham (Democrat), Josh McLaurin (Democrat), Nikki Merritt (Democrat), Nan Orrock (Democrat), Elena Parent (Democrat), Nabilah Parkes (Democrat), Chuck Payne (Republican), Sheikh Rahman (Democrat), Michael 'Doc' Rhett (Democrat), Randy Robertson (Republican), Freddie Powell Sims (Democrat), Carden Summers (Republican), Larry Walker (Republican), Ben Watson (Republican), Sam Watson (Republican), Kenya Wicks (Democrat)
- Cosponsors: 1
- Subjects: Insurance, Veterans, Military, and Homeland Security, General Bill
- Touches household money: yes
- Roll calls: 2 (225 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Stronger life insurance protection for military members: benefit, high. Group life policies issued or delivered in Georgia cannot exclude or limit death benefits because the insured is on active duty. This protects members of the regular and reserve U.S. armed forces. The protection does not cover deaths caused directly or indirectly by declared or undeclared war, incl…

## Sponsors and cosponsors

- Sponsor: John Albers (Republican), Senate
- Sponsor: Tonya Anderson (Democrat), Senate
- Sponsor: Brandon Beach (Republican), Senate
- Sponsor: Gail Davenport (Democrat), Senate
- Sponsor: Russ Goodman (Republican), Senate
- Sponsor: Sonya Halpern (Democrat), Senate
- Sponsor: Ed Harbison (Democrat), Senate
- Sponsor: Sally Harrell (Democrat), Senate
- Sponsor: Kim Jackson (Democrat), Senate
- Sponsor: Donzella James (Democrat), Senate
- Sponsor: Harold Jones II (Democrat), Senate
- Sponsor: RaShaun Kemp (Democrat), Senate
- Sponsor: Kay Kirkpatrick (Republican), Senate
- Sponsor: David Lucas (Democrat), Senate
- Sponsor: Randal Mangham (Democrat), Senate
- Sponsor: Josh McLaurin (Democrat), Senate
- Sponsor: Nikki Merritt (Democrat), Senate
- Sponsor: Nan Orrock (Democrat), Senate
- Sponsor: Elena Parent (Democrat), Senate
- Sponsor: Nabilah Parkes (Democrat), Senate
- Sponsor: Chuck Payne (Republican), Senate
- Sponsor: Sheikh Rahman (Democrat), Senate
- Sponsor: Michael 'Doc' Rhett (Democrat), Senate
- Sponsor: Randy Robertson (Republican), Senate
- Sponsor: Freddie Powell Sims (Democrat), Senate
- Sponsor: Carden Summers (Republican), Senate
- Sponsor: Larry Walker (Republican), Senate
- Sponsor: Ben Watson (Republican), Senate
- Sponsor: Sam Watson (Republican), Senate
- Sponsor: Kenya Wicks (Democrat), Senate
- Cosponsor: Eddie Lumsden (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-18 | House | PASSAGE | pass | 172 | 0 | 3 |
| 2025-03-06 | Senate | PASSAGE BY SUBSTITUTE | pass | 53 | 0 | 1 |

## Actions (15)

- 2025-06-01: Effective Date
- 2025-05-09: Senate Date Signed by Governor (Senate)
- 2025-05-09: Act 75
- 2025-04-07: Senate Sent to Governor (Senate)
- 2025-03-18: House Third Readers (House)
- 2025-03-18: House Passed/Adopted (House)
- 2025-03-13: House Committee Favorably Reported (House)
- 2025-03-11: House Second Readers (House)
- 2025-03-10: House First Readers (House)
- 2025-03-06: Senate Third Read (Senate)
- 2025-03-06: Senate Passed/Adopted By Substitute (Senate)
- 2025-02-27: Senate Read Second Time (Senate)
- 2025-02-26: Senate Committee Favorably Reported By Substitute (Senate)
- 2025-02-06: Senate Read and Referred (Senate)
- 2025-02-05: Senate Hopper (Senate)

## Bill text

- SB 109/AP* (v7): [PDF](https://www.legis.ga.gov/api/legislation/document/20252026/236516)

## Related bills

- SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckless stunt driving; replace the forfeiture penalty (signed)
- SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation for certain motor vehicles; provide (signed)
- SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Service Foundation; establish (signed)
- SB 406: "Georgia Property Owners' Bill of Rights Act"; enact (signed)
- HB 1391: Specialty license plates; honor public safety officers; establish (signed)
- HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact (signed)

## Sources
- [SB 109/AP* (v7) (PDF)](https://www.legis.ga.gov/api/legislation/document/20252026/236516)

## Related
- [SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckles…](https://policyrisk.com/state-bill/GA-SB160-2025-2026)
- [SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation f…](https://policyrisk.com/state-bill/GA-SB384-2025-2026)
- [SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Servic…](https://policyrisk.com/state-bill/GA-SB76-2025-2026)
- [SB 406: "Georgia Property Owners' Bill of Rights Act"; enact](https://policyrisk.com/state-bill/GA-SB406-2025-2026)
- [HB 1391: Specialty license plates; honor public safety officers; establish](https://policyrisk.com/state-bill/GA-HB1391-2025-2026)
- [HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact](https://policyrisk.com/state-bill/GA-HB1344-2025-2026)
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Source: PRIA, https://policyrisk.com/state-bill/GA-SB109-2025-2026 (as of 2026-10-12).