Illinois 104th General Assembly Status: To Executive 1 D cosponsors

SB2872      — CONTINGENT DEFERRED ANNUITIES

Last action — Public Act . . . . . . . . . 104-0640

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

This bill has been sent to the executive. Introduced January 16, 2026. It awaits signature.

Next likely step: the executive signs it into law or issues a veto.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 66% · moderate confidence

  • To Executive

    Current position in the legislative process.

  • 2 sponsors

    1 primary, 1 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 D).

  • Cleared a recorded vote

    Passed 4 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill exempts contingent deferred annuities from certain nonforfeiture provisions of the Illinois Insurance Code.

This bill modifies the Illinois Insurance Code to exempt contingent deferred annuities from specific nonforfeiture laws. It also allows the Director of Insurance to establish equitable nonforfeiture benefits for these annuities.

Summary

Amends the Illinois Insurance Code. Provides that specified provisions of the Standard Nonforfeiture Law for Individual Deferred Annuities shall not apply to contingent deferred annuities. Provides that, notwithstanding this exemption, the Director of Insurance shall have the authority to adopt, by rule, nonforfeiture benefits for contingent deferred annuities that are, in the opinion of the Director, equitable to the contract holder, appropriate given the risks insured, and, to the extent possible, consistent with the general intent of the provisions concerning individual deferred annuities. Effective immediately.

Bill Text

We don't have the full text on file for this bill yet.

Read SB2872 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0640

  2. Effective Date July 24, 2026

  3. Governor Approved

  4. Sent to the Governor

  5. Passed Both Houses

  6. Third Reading - Short Debate - Passed 108-000-000

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

  8. Second Reading - Short Debate

  9. Placed on Calendar 2nd Reading - Short Debate

  10. Do Pass / Short Debate Insurance Committee; 015-000-000

  11. Alternate Chief Sponsor Changed to Rep. Margaret A. DeLaRosa

  12. Assigned to Insurance Committee

  13. Referred to Rules Committee

  14. First Reading

  15. Chief House Sponsor Rep. Bob Morgan

  16. Arrived in House

  17. Third Reading - Passed; 057-000-000

  18. Placed on Calendar Order of 3rd Reading ** April 15, 2026

  19. Placed on Calendar Order of 3rd Reading March 10, 2026

  20. Second Reading

  21. Placed on Calendar Order of 2nd Reading March 5, 2026

  22. Do Pass Insurance; 009-000-000

  23. Assigned to Insurance

  24. Referred to Assignments

  25. First Reading

  26. Filed with Secretary by Sen. Julie A. Morrison

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 1 co-sponsors · 181 not signed on

Sponsors (1)

Co-sponsors (1)

  • Margaret A. DeLaRosa

Not signed on (181)

181 members have not signed on to this bill.

Show all 181 →

"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 108 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 65005
Republican 33005
Unaffiliated 9000
Total 1070010
% of votes cast 91%0%0%9%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Jones — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — 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
Anne Stava Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Yea
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 Not Voting
Fred Crespo Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Not Voting
Jaime M. Andrade, Jr. Democrat Not Voting
Jawaharial Williams Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Not Voting
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Cochran 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 Not Voting
Marcus C. Evans, Jr. Democrat Yea
Margaret A. DeLaRosa Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter 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 Yea
Suzanne M. Ness Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Yea
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Yea
Brad Halbrook Republican Yea
Brad Stephens Republican Yea
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Yea
Christopher "C.D." Davidsmeyer Republican Yea
Dan Swanson Republican Yea
Daniel J. Ugaste Republican Not Voting
Dave Severin Republican Yea
David Friess Republican Yea
Dennis Tipsword Republican Not Voting
Jackie Haas Republican Yea
Jason R. Bunting Republican Yea
Jed Davis Republican Yea
Jeff Keicher Republican Yea
Jennifer Sanalitro Republican Yea
Joe C. Sosnowski Republican Not Voting
John M. Cabello Republican Yea
Kevin Schmidt Republican Yea
Kyle Moore Republican Yea
Martin McLaughlin Republican Yea
Michael J. Coffey, Jr. Republican Yea
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Yea
Patrick Windhorst Republican Yea
Regan Deering Republican Yea
Ryan Spain Republican Not Voting
Steven Reick Republican Yea
Tom Weber Republican Yea
Tony M. McCombie Republican Yea
Travis Weaver Republican Yea
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Not Voting

Official roll call →

Insurance

Passed 15 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Democrat 10000
Republican 5001
Total 15001
% of votes cast 94%0%0%6%
How each member voted (16)
Member Party Vote
Angelica Guerrero-Cuellar Democrat Yea
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Daniel Didech Democrat Yea
Diane Blair-Sherlock Democrat Yea
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Yea
Dennis Tipsword Republican Yea
Jeff Keicher Republican Yea
John M. Cabello Republican Not Voting
Travis Weaver Republican Yea
William E Hauter Republican Yea

Official roll call →

Apr 16, 2026

Passed 57 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 19000
Democrat 32002
Unaffiliated 5000
Total 56002
% of votes cast 97%0%0%3%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
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
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Yea
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 Not Voting
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Yea
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Not Voting
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Yea
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Yea
Darby A. Hills Republican Yea
Dave Syverson Republican Yea
Donald P. DeWitte Republican Yea
Erica Harriss Republican Yea
Jason Plummer Republican Yea
Jil Tracy Republican Yea
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Yea
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Yea
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Insurance

Passed 9 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Republican 2003
Democrat 7001
Unaffiliated 0001
Total 9005
% of votes cast 64%0%0%36%
How each member voted (14)
Member Party Vote
Harris III, Napoleon — Not Voting
Bill Cunningham Democrat Not Voting
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Mark L. Walker Democrat Yea
Michael E. Hastings Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Chapin Rose Republican Yea
Dave Syverson Republican Yea
Jason Plummer Republican Not Voting
Neil Anderson Republican Not Voting
Steve McClure Republican Not Voting

Official roll call →

Subjects

finance health-insurance
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

What does SB2872      do?
Amends the Illinois Insurance Code. Provides that specified provisions of the Standard Nonforfeiture Law for Individual Deferred Annuities shall not apply to contingent deferred annuities. Provides that, notwithstanding this exemption, the Director of Insurance shall have the authority to adopt, by rule, nonforfeiture benefits for contingent deferred annuities that are, in the opinion of the Director, equitable to the contract holder, appropriate given the risks insured, and, to the extent possible, consistent with the general intent of the provisions concerning individual deferred annuities. Effective immediately.
Who sponsors SB2872     ?
SB2872      is sponsored by Margaret A. DeLaRosa and Julie A. Morrison (Democrat).
What is the current status of SB2872     ?
This bill has been sent to the executive. Introduced January 16, 2026. It awaits signature.
Where can I track SB2872     ?
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