Illinois 104th Regular Session Status: Enacted 23 D cosponsors

HB 2425 — INS CD-DISCRIMINATION-FELONY

Last action — Public Act . . . . . . . . . 104-0224

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed House
  4. ✓
    Passed Senate
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 03, 2025. Enacted.

Signed by Governor JB Pritzker (Democratic) on August 15, 2025.

Prognosis

Likely to advance 82% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 24 sponsors

    2 primary, 22 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (23 D).

  • Cleared a recorded vote

    Passed 5 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

4 added · 4 removed

Plain-language change summary

The amended version of HB 2425 specifies that life insurance companies in Illinois cannot deny coverage or charge higher rates based solely on a person's felony conviction when it comes to final expense policies. This change removes the ability for insurers to discriminate against individuals with felony records for these specific policies, which are meant to cover funeral and burial costs. However, it clarifies that insurers are not required to provide coverage to individuals who are currently incarcerated. This matters because it opens access to vital insurance for those who have made mistakes in their pasts, helping them secure essential end-of-life expenses.

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HB2425 Engrossed LRB104 11854 BAB 21944 b AN ACT concerning regulation.
HB2425 Enrolled LRB104 11854 BAB 21944 b AN ACT concerning regulation.
(b) No life company shall make or permit any distinction or discrimination against individuals with disabilities in the amount of payment of premiums or rates charged for policies of life insurance, in the amount of any dividends or death benefits payable thereon, or in any other terms and conditions of the contract it makes unless the rate differential is based on sound actuarial principles and a reasonable system of classification and is related to actual or reasonably HB2425 Engrossed - 2 - LRB104 11854 BAB 21944 b anticipated experience directly associated with the disability.
(b) No life company shall make or permit any distinction or discrimination against individuals with disabilities in the amount of payment of premiums or rates charged for policies of life insurance, in the amount of any dividends or death benefits payable thereon, or in any other terms and conditions of the contract it makes unless the rate differential is based on sound actuarial principles and a reasonable system of classification and is related to actual or reasonably HB2425 Enrolled - 2 - LRB104 11854 BAB 21944 b anticipated experience directly associated with the disability.
(e) An insurer or producer authorized to issue policies of insurance in this State may not make a distinction or HB2425 Engrossed - 3 - LRB104 11854 BAB 21944 b otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon an applicant's or insured's past lawful travel experiences or future lawful travel plans.
(e) An insurer or producer authorized to issue policies of insurance in this State may not make a distinction or HB2425 Enrolled - 3 - LRB104 11854 BAB 21944 b otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon an applicant's or insured's past lawful travel experiences or future lawful travel plans.
As used in this subsection, "final expense policy" means a policy marketed and sold exclusively to cover costs associated with funeral and burial HB2425 Engrossed - 4 - LRB104 11854 BAB 21944 b expenses.
As used in this subsection, "final expense policy" means a policy marketed and sold exclusively to cover costs associated with funeral and burial HB2425 Enrolled - 4 - LRB104 11854 BAB 21944 b expenses.
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Amendments

1 amendment

Click Show changes on an amendment above to see how it modifies the bill.

Action History

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

  2. Effective Date January 1, 2026

  3. Governor Approved

  4. Sent to the Governor

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

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

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

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

  9. Passed Both Houses

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

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

  12. Second Reading

  13. Placed on Calendar Order of 2nd Reading

  14. Do Pass Insurance; 008-004-000

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

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

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

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

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

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

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

  22. Assigned to Insurance

  23. Referred to Assignments

  24. First Reading

  25. Chief Senate Sponsor Sen. Adriane Johnson

  26. Added Co-Sponsor Rep. Mary Beth Canty

  27. Placed on Calendar Order of First Reading April 29, 2025

  28. Arrive in Senate

  29. Added Co-Sponsor Rep. Jehan Gordon-Booth

  30. Added Co-Sponsor Rep. Kimberly Du Buclet

  31. Added Co-Sponsor Rep. Camille Y. Lilly

  32. Added Co-Sponsor Rep. Jawaharial Williams

  33. Added Co-Sponsor Rep. Lisa Davis

  34. Added Co-Sponsor Rep. Michelle Mussman

  35. Added Co-Sponsor Rep. Kelly M. Cassidy

  36. Added Co-Sponsor Rep. Michael Crawford

  37. Added Co-Sponsor Rep. Justin Slaughter

  38. Added Co-Sponsor Rep. Sonya M. Harper

  39. Added Co-Sponsor Rep. Yolonda Morris

  40. Third Reading - Short Debate - Passed 076-038-000

  41. Placed on Calendar Order of 3rd Reading - Short Debate

  42. House Floor Amendment No. 1 Adopted

  43. Added Chief Co-Sponsor Rep. Thaddeus Jones

  44. Added Chief Co-Sponsor Rep. La Shawn K. Ford

  45. Held on Calendar Order of Second Reading - Short Debate

  46. Second Reading - Short Debate

  47. House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 010-005-000

  48. House Floor Amendment No. 1 Rules Refers to Insurance Committee

  49. House Floor Amendment No. 1 Referred to Rules Committee

  50. House Floor Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield

  51. Placed on Calendar 2nd Reading - Short Debate

  52. Do Pass / Short Debate Insurance Committee; 009-005-000

  53. Assigned to Insurance Committee

  54. Referred to Rules Committee

  55. First Reading

  56. Filed with the Clerk by Rep. Rita Mayfield

Sponsors

Sponsorship breakdown

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2 sponsors · 22 co-sponsors · 159 not signed on · 57 voted No

Sponsors (2)

Co-sponsors (22)

Not signed on (159)

159 members have not signed on to this bill.

Show all 159 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Third Reading

Passed 36 Yea · 18 Nay · 5 Other
Party YeaNayPresentNot Voting
Unaffiliated 1002
Democrat 34002
Republican 01801
Total 351805
% of votes cast 60%31%0%9%
How each member voted (58)
Member Party Vote
Simmons — Yea
Glowiak Hilton — Not Voting
Loughran Cappel — Not Voting
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III Democrat Yea
Graciela Guzmán Democrat Yea
Gregg Johnson Democrat Yea
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Not Voting
Lakesia Collins Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Laura M. Murphy Democrat Yea
Linda Holmes Democrat Yea
Mark L. Walker Democrat Yea
Mary Edly-Allen Democrat Yea
Mattie Hunter Democrat Yea
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Yea
Napoleon Harris III Democrat Yea
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Not Voting
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Yea
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Nay
Chapin Rose Republican Nay
Chris Balkema Republican Nay
Craig Wilcox Republican Nay
Dale Fowler Republican Nay
Darby A. Hills Republican Nay
Dave Syverson Republican Nay
Donald P. DeWitte Republican Nay
Erica Harriss Republican Nay
Jason Plummer Republican Nay
Jil Tracy Republican Nay
John F. Curran Republican Nay
Li Arellano, Jr. Republican Nay
Neil Anderson Republican Nay
Sally J. Turner Republican Nay
Seth Lewis Republican Not Voting
Steve McClure Republican Nay
Sue Rezin Republican Nay
Terri Bryant Republican Nay

Official roll call →

Insurance

Passed 8 Yea · 4 Nay · 2 Other
Party YeaNayPresentNot Voting
Democrat 8001
Republican 0401
Total 8402
% of votes cast 57%29%0%14%
How each member voted (14)
Member Party Vote
Adriane L. Johnson Democrat Yea
Bill Cunningham Democrat Yea
Cristina Castro Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Mark L. Walker Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Not Voting
Chapin Rose Republican Nay
Dave Syverson Republican Nay
Jason Plummer Republican Nay
Neil Anderson Republican Not Voting
Steve McClure Republican Nay

Official roll call →

Third Reading

Passed 76 Yea · 38 Nay · 4 Other
Party YeaNayPresentNot Voting
Democrat 67002
Unaffiliated 8100
Republican 03702
Total 753804
% of votes cast 64%32%0%3%
How each member voted (117)
Member Party Vote
Stava-Murray — Yea
Costa Howard — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Nay
Williams, Jawaharial — Yea
Yang Rohr — Yea
Aarón M. Ortíz Democrat Yea
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Yea
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Not Voting
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Yea
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Yea
Eva-Dina Delgado Democrat Yea
Fred Crespo Democrat Yea
Gregg Johnson Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Slaughter Democrat Yea
Kam Buckner Democrat Yea
Katie Stuart Democrat Yea
Kelly M. Cassidy Democrat Yea
Kevin John Olickal Democrat Yea
La Shawn K. Ford Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Yea
Marcus C. Evans, Jr. Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter Democrat Yea
Martin J. Moylan Democrat Yea
Mary Beth Canty Democrat Yea
Mary Gill Democrat Yea
Matt Hanson Democrat Yea
Maura Hirschauer Democrat Yea
Maurice A. West, II Democrat Yea
Michael Crawford Democrat Yea
Michael J. Kelly Democrat Yea
Michelle Mussman Democrat Yea
Nabeela Syed Democrat Yea
Natalie A. Manley Democrat Yea
Nicholas K. Smith Democrat Yea
Nicolle Grasse Democrat Yea
Norma Hernandez Democrat Yea
Rick Ryan Democrat Yea
Rita Mayfield Democrat Yea
Robert "Bob" Rita Democrat Yea
Robyn Gabel Democrat Yea
Sharon Chung Democrat Yea
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Not Voting
Suzanne M. Ness Democrat Yea
Thaddeus Jones Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Nay
Amy Elik Republican Nay
Amy L. Grant Republican Nay
Blaine Wilhour Republican Nay
Brad Halbrook Republican Nay
Brad Stephens Republican Nay
Bradley Fritts Republican Nay
Brandun Schweizer Republican Nay
Charles Meier Republican Nay
Chris Miller Republican Nay
Christopher "C.D." Davidsmeyer Republican Nay
Dan Swanson Republican Nay
Daniel J. Ugaste Republican Nay
Dave Severin Republican Nay
David Friess Republican Nay
Dennis Tipsword Republican Nay
Jackie Haas Republican Nay
Jason R. Bunting Republican Nay
Jed Davis Republican Nay
Jeff Keicher Republican Nay
Jennifer Sanalitro Republican Not Voting
Joe C. Sosnowski Republican Nay
John M. Cabello Republican Nay
Kevin Schmidt Republican Nay
Kyle Moore Republican Nay
Martin McLaughlin Republican Nay
Michael J. Coffey, Jr. Republican Nay
Norine K. Hammond Republican Nay
Patrick Sheehan Republican Nay
Patrick Windhorst Republican Nay
Paul Jacobs Republican Nay
Regan Deering Republican Nay
Ryan Spain Republican Nay
Steven Reick Republican Nay
Tom Weber Republican Nay
Tony M. McCombie Republican Nay
Travis Weaver Republican Nay
Wayne A. Rosenthal Republican Nay
William E Hauter Republican Not Voting

Official roll call →

Insurance, Amendment 1

Passed 10 Yea · 5 Nay · 2 Other
Party YeaNayPresentNot Voting
Democrat 10001
Republican 0501
Total 10502
% of votes cast 59%29%0%12%
How each member voted (17)
Member Party Vote
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Daniel Didech Democrat Yea
Edgar González, Jr. Democrat Yea
Harry Benton Democrat Yea
Jawaharial Williams Democrat Not Voting
Lisa Davis Democrat Yea
Rita Mayfield Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Nay
Dennis Tipsword Republican Nay
Jeff Keicher Republican Nay
John M. Cabello Republican Nay
Travis Weaver Republican Nay
William E Hauter Republican Not Voting

Official roll call →

Insurance

Passed 9 Yea · 5 Nay · 3 Other
Party YeaNayPresentNot Voting
Democrat 9002
Republican 0501
Total 9503
% of votes cast 53%29%0%18%
How each member voted (17)
Member Party Vote
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Not Voting
Daniel Didech Democrat Yea
Edgar González, Jr. Democrat Yea
Harry Benton Democrat Yea
Jawaharial Williams Democrat Not Voting
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Nay
Dennis Tipsword Republican Nay
Jeff Keicher Republican Nay
John M. Cabello Republican Not Voting
Travis Weaver Republican Nay
William E Hauter Republican Nay

Official roll call →

Subjects

civil-rights
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HB 2425?
HB 2425 is sponsored by Simmons, Mike, Rita Mayfield (Democrat), La Shawn K. Ford (Democrat), Thaddeus Jones (Democrat), Yolonda Morris (Democrat), Sonya M. Harper (Democrat), Justin Slaughter (Democrat), Michael Crawford (Democrat), Kelly M. Cassidy (Democrat), Michelle Mussman (Democrat), Lisa Davis (Democrat), Camille Y. Lilly (Democrat), Jehan Gordon-Booth (Democrat), Mary Beth Canty (Democrat), Adriane L. Johnson (Democrat), Christopher Belt (Democrat), Doris Turner (Democrat), Rachel Ventura (Democrat), Emil Jones, III (Democrat), Javier L. Cervantes (Democrat), Lakesia Collins (Democrat), Mary Edly-Allen (Democrat), Kimberly Du Buclet (Democrat), and Jawaharial Williams (Democrat).
What is the current status of HB 2425?
This bill has been enacted into law. Introduced February 03, 2025. Enacted.
Where can I track HB 2425?
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