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HB 2425

Relating to Constitutional Carry

2025 Regular Session Introduced by Chris Anders and 7 co-sponsors

HB 2425 prohibits life insurance discrimination based on disability, military status, or felony convictions, ensuring equitable access for marginalized individuals in Illinois.

To House Judiciary
#crime #publicsafety
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WeVote Research Nonpartisan
Bill Summary · HB 2425

Summary of House Bill 2425: Relating to Constitutional Carry

Bill Information:
- Bill Number: HB 2425
- Title: Relating to Constitutional Carry
- Status: To House Judiciary
- Introduced: February 3, 2025
- Classification: Bill
- Subject: Crime, Public Safety

Purpose and Intent

House Bill 2425 aims to amend the Illinois Insurance Code to prohibit discrimination by life insurance companies against individuals based on various factors, including disability status and felony convictions. The bill seeks to ensure equitable treatment in the issuance of life insurance policies, thereby enhancing access to insurance for marginalized groups.

Key Provisions

The bill proposes several amendments to Section 236 of the Illinois Insurance Code, including:

  1. Non-Discrimination in Insurance Issuance:

    • Insurance companies cannot discriminate among insured persons of the same class and equal expectation of life regarding policy issuance, premium rates, dividends, or other benefits.

  2. Protection for Individuals with Disabilities:

    • Life insurance companies are prohibited from discriminating against individuals with disabilities unless any rate differential is based on sound actuarial principles.

  3. Blindness and Partial Blindness:

    • Insurers cannot refuse coverage or charge different rates based solely on an individual's blindness or partial blindness, treating these individuals under the same standards as sighted persons.

  4. Military Status:

    • No discrimination is allowed against individuals based on their status as members of the U.S. Armed Forces or National Guard.

  5. Travel Experiences:

    • Insurers cannot discriminate based on an applicant's past lawful travel experiences or future travel plans unless based on sound actuarial principles.

  6. Felony Convictions:

    • The bill prohibits life insurance companies from refusing to insure or limiting coverage based solely on an individual's felony conviction history, although it does not require coverage for individuals who are actively incarcerated.

Who Would Be Affected

  • Individuals with Disabilities: The bill aims to protect the rights of individuals with disabilities, ensuring they have equal access to life insurance.
  • Military Personnel: Members of the armed forces will benefit from non-discriminatory practices in insurance coverage.
  • Individuals with Felony Convictions: Those with felony convictions will have improved access to life insurance policies, promoting reintegration into society.

Procedural Aspects

  • Effective Date: The amendments proposed in HB 2425 are set to take effect on January 1, 2026.
  • Legislative Journey: The bill has been introduced and is currently under consideration by the House Judiciary Committee. It has undergone various readings and amendments, with significant support indicated by co-sponsorship from multiple representatives.

Conclusion

House Bill 2425 represents a significant step toward ensuring equitable access to life insurance for individuals who have historically faced discrimination. By prohibiting discriminatory practices based on disability, military status, and felony convictions, the bill aims to foster a more inclusive insurance landscape in Illinois.

Compiled from official sources — confirm details with the bill’s official record.

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