# Tennessee HB 1045: AN ACT to amend Tennessee Code Annotated, Title 56, relative to creditor claims to insurance proceeds. Tennessee HB 1045, AN ACT to amend Tennessee Code Annotated, Title 56, relative to creditor claims to insurance proceeds., is a 114th General Assembly (2025-2026) House bill sponsored by no sponsor on record; status signed, last action 2025-04-04 (Effective date(s) 07/01/2025); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/TN-HB1045-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Tennessee HB 1045 - State: Tennessee - Session: 114th General Assembly (2025-2026) - Title: AN ACT to amend Tennessee Code Annotated, Title 56, relative to creditor claims to insurance proceeds. - Status: signed - Chamber: House - Introduced: 2025-02-05 - Last action: 2025-04-04, Effective date(s) 07/01/2025 - Sponsors: no sponsor on record - Cosponsors: 0 - Subjects: Insurance Companies, Agents, Brokers, Policies - Touches household money: yes - Roll calls: 4 (118 yes, 0 no in all) - Economic provisions PRIA read: 1 ## Summary No summary available. ## Bill overview: provisions PRIA read - Family insurance payouts stay protected from creditors: benefit, medium. Beginning July 1, 2025, Tennessee protects net life insurance and annuity payouts from all creditor claims, including seizure and garnishment. The policy or contract must benefit, or be assigned to, the insured person's spouse, children, or dependent relatives. Protection covers claims based on obl… ## Sponsors and cosponsors - (none) ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-03-24 | House | FLOOR VOTE: CONSENT CALENDAR PASSAGE ON THIRD CONSIDERATION 3/24/2025 | pass | 96 | 0 | | | 2025-03-24 | House | HOUSE CALENDAR & RULES COMMITTEE | fail | 0 | 0 | | | 2025-03-12 | House | HOUSE INSURANCE COMMITTEE | pass | 17 | 0 | | | 2025-03-05 | House | INSURANCE SUBCOMMITTEE | pass | 5 | 0 | | ## Actions (22) - 2025-04-04: Effective date(s) 07/01/2025 - 2025-04-04: Pub. Ch. 150 - 2025-04-03: Signed by Governor. - 2025-03-27: Transmitted to Governor for his action. (House) - 2025-03-26: Signed by Senate Speaker (Senate) - 2025-03-26: Signed by H. Speaker (House) - 2025-03-25: Enrolled; ready for sig. of H. Speaker. (House) - 2025-03-24: Passed Senate, Ayes 32, Nays 0 (Senate) - 2025-03-24: Senate substituted House Bill for companion Senate Bill. (Senate) - 2025-03-24: Received from House, Passed on First Consideration (Senate) - 2025-03-24: Engrossed; ready for transmission to Sen. (House) - 2025-03-24: Passed H., Ayes 96, Nays 0, PNV 0 (House) - 2025-03-20: H. Placed on Consent Calendar for 3/24/2025 (House) - 2025-03-19: Placed on cal. Calendar & Rules Committee for 3/20/2025 (House) - 2025-03-12: Rec. for pass; ref to Calendar & Rules Committee (House) - 2025-03-05: Placed on cal. Insurance Committee for 3/12/2025 (House) - 2025-03-05: Rec. for pass by s/c ref. to Insurance Committee (House) - 2025-02-26: Placed on s/c cal Insurance Subcommittee for 3/5/2025 (House) - 2025-02-11: Assigned to s/c Insurance Subcommittee (House) - 2025-02-10: P2C, ref. to Insurance Committee (House) - 2025-02-06: Intro., P1C. (House) - 2025-02-05: Filed for introduction (House) ## Bill text - Enrolled / Public Chapter: [PDF](https://publications.tnsosfiles.com/acts/114/pub/pc0150.pdf) - Fiscal Note: [PDF](https://capitol.tn.gov/Bills/114/Fiscal/HB1045.pdf) - Introduced: [PDF](https://capitol.tn.gov/Bills/114/Bill/HB1045.pdf) ## Related bills - HB 0794: AN ACT to amend Tennessee Code Annotated, Title 4; Title 5; Title 6; Title 7; Title 8; Title 12; Title 13; Title 29; Title 54; Title 64; Title 65; Title 68 and… (failed) - HB 0489: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Title 55, relative to criminal law. (failed) - HB 0162: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes. (failed) - SB 2733: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 85 of the Private Acts of 2004; and any other acts amendatory thereto, relative t… (failed) - SB 2702: AN ACT to amend Chapter 154 of the Private Acts of 1955; as amended by Chapter 158 of the Private Acts of 1988; Chapter 204 of the Private Acts of 1990; and an… (failed) - SB 2690: AN ACT to make appropriations for the purpose of defraying the expenses of the state government for the fiscal years beginning July 1, 2025, and July 1, 2026,… (signed) ## Sources - [Enrolled / Public Chapter (PDF)](https://publications.tnsosfiles.com/acts/114/pub/pc0150.pdf) - [Fiscal Note (PDF)](https://capitol.tn.gov/Bills/114/Fiscal/HB1045.pdf) - [Introduced (PDF)](https://capitol.tn.gov/Bills/114/Bill/HB1045.pdf) ## Related - [HB 0794: AN ACT to amend Tennessee Code Annotated, Title 4; Title 5; Title 6; Title 7; T…](https://policyrisk.com/state-bill/TN-HB0794-2025-2026) - [HB 0489: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Titl…](https://policyrisk.com/state-bill/TN-HB0489-2025-2026) - [HB 0162: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes.](https://policyrisk.com/state-bill/TN-HB0162-2025-2026) - [SB 2733: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 8…](https://policyrisk.com/state-bill/TN-SB2733-2025-2026) - [SB 2702: AN ACT to amend Chapter 154 of the Private Acts of 1955; as amended by Chapter…](https://policyrisk.com/state-bill/TN-SB2702-2025-2026) - [SB 2690: AN ACT to make appropriations for the purpose of defraying the expenses of the…](https://policyrisk.com/state-bill/TN-SB2690-2025-2026) - [Tennessee bills](https://policyrisk.com/states/tennessee/bills) - [Tennessee state hub](https://policyrisk.com/states/tennessee) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/TN-HB1045-2025-2026 (as of 2026-11-01).