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IllinoisHB2425104th General Assembly (2025–2026)HouseWALLET

INS CD-DISCRIMINATION-FELONY

Sponsored By: Rita Mayfield (Democratic)

Became Law

insuranceassignments

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 0 benefits, 0 costs, 3 mixed.

Fair life insurance pricing and disability protections

Beginning July 27, 2015, life insurers in Illinois must treat people in the same risk class the same. They cannot charge you more or cut benefits just because you have a disability, including blindness. Different rates are allowed only when backed by sound actuarial data tied to the disability. Insurers may exclude disabilities that are solely blindness if the condition existed when the policy was issued.

No felony bias in funeral expense policies

Beginning July 27, 2015, insurers selling final expense life policies cannot deny, cancel, limit, or charge you more only because you have a felony conviction. A final expense policy is sold only to cover funeral and burial costs. Insurers do not have to issue coverage to people who are actively incarcerated for a felony.

No life insurance bias for troops or travel

Beginning July 27, 2015, life insurers in Illinois cannot refuse or cancel coverage just because you serve in the U.S. military or reserves. They also cannot deny you or charge you more only because you traveled lawfully or plan to travel. Changes for travel are allowed only when based on sound actuarial principles and real risk. Insurers cannot use only the U.S. State Department travel warning list to set rates.

Sponsors & Cosponsors

Sponsor

  • Rita Mayfield

    Democratic • House

Cosponsors

  • Adriane Johnson

    Democratic • Senate

  • Camille Y. Lilly

    Democratic • House

  • Christopher Belt

    Democratic • Senate

  • Doris Turner

    Democratic • Senate

  • Emil Jones, III

    Democratic • Senate

  • Javier L. Cervantes

    Democratic • Senate

  • Jawaharial Williams

    Democratic • House

  • Jehan Gordon-Booth

    Democratic • House

  • Justin Slaughter

    Democratic • House

  • Kelly M. Cassidy

    Democratic • House

  • Kimberly Du Buclet

    Democratic • House

  • La Shawn K. Ford

    Democratic • House

  • Lakesia Collins

    Democratic • Senate

  • Lisa Davis

    Democratic • House

  • Mary Beth Canty

    Democratic • House

  • Mary Edly-Allen

    Democratic • Senate

  • Michael Crawford

    Democratic • House

  • Michelle Mussman

    Democratic • House

  • Mike Simmons

    Democratic • Senate

  • Rachel Ventura

    Democratic • Senate

  • Sonya M. Harper

    Democratic • House

  • Thaddeus Jones

    Democratic • House

  • Yolonda Morris

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 139 • No: 70

Senate vote • 5/29/2025

Third Reading - Passed;

Yes: 36 • No: 18 • Other: 1

Senate vote • 5/27/2025

Do Pass Insurance;

Yes: 8 • No: 4

House vote • 4/10/2025

Third Reading - Short Debate - Passed

Yes: 76 • No: 38

House vote • 3/25/2025

House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee;

Yes: 10 • No: 5

House vote • 3/4/2025

Do Pass / Short Debate Insurance Committee;

Yes: 9 • No: 5

Actions Timeline

  1. Public Act . . . . . . . . . 104-0224

    8/15/2025House

  2. Effective Date January 1, 2026

    8/15/2025House

  3. Governor Approved

    8/15/2025House

  4. Sent to the Governor

    6/24/2025House

  5. Added as Alternate Co-Sponsor Sen. Mary Edly-Allen

    5/30/2025Senate

  6. Added as Alternate Co-Sponsor Sen. Lakesia Collins

    5/29/2025Senate

  7. Added as Alternate Co-Sponsor Sen. Javier L. Cervantes

    5/29/2025Senate

  8. Added as Alternate Co-Sponsor Sen. Emil Jones, III

    5/29/2025Senate

  9. Passed Both Houses

    5/29/2025House

  10. Third Reading - Passed; 036-018-001

    5/29/2025Senate

  11. Placed on Calendar Order of 3rd Reading May 28, 2025

    5/27/2025Senate

  12. Second Reading

    5/27/2025Senate

  13. Placed on Calendar Order of 2nd Reading

    5/27/2025Senate

  14. Do Pass Insurance; 008-004-000

    5/27/2025Senate

  15. Rule 2-10 Third Reading/Passage Deadline Established As June 1, 2025

    5/27/2025Senate

  16. Added as Alternate Co-Sponsor Sen. Mike Simmons

    5/27/2025Senate

  17. Added as Alternate Chief Co-Sponsor Sen. Christopher Belt

    5/27/2025Senate

  18. Added as Alternate Co-Sponsor Sen. Rachel Ventura

    5/27/2025Senate

  19. Added as Alternate Co-Sponsor Sen. Doris Turner

    5/27/2025Senate

  20. Rule 2-10 Committee Deadline Established As June 1, 2025

    5/23/2025Senate

  21. Rule 2-10 Committee Deadline Established As May 23, 2025

    5/9/2025Senate

  22. Assigned to Insurance

    4/29/2025Senate

  23. Referred to Assignments

    4/25/2025Senate

  24. First Reading

    4/25/2025Senate

  25. Chief Senate Sponsor Sen. Adriane Johnson

    4/25/2025Senate

Bill Text

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