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(215 ILCS 5/236)
(from Ch. 73, par. 848)
(a) No life company doing business in this State shall make or permit any
distinction or discrimination in favor of individuals among insured
persons of the same class and equal expectation of life in the issuance
of its policies, in the amount of
payment of premiums or rates charged for policies of insurance, in the
amount of any dividends or other benefits payable thereon, or in any
other of the terms and conditions of the contracts it makes.
(b) No life company shall make or permit any distinction or discrimination
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 anticipated experience directly
associated with the disability.
(c) No life company shall refuse to insure, or refuse to continue to insure,
or limit the amount or extent or kind of coverage available to an
individual, or charge an individual a different rate for the same coverage
solely because of blindness or partial blindness. With respect to all
other conditions, including the underlying cause of the blindness or
partial blindness, persons who are blind or partially blind shall be
subject to the same standards of sound actuarial principles or actual or
reasonably anticipated experience as are sighted persons. Refusal to
insure includes denial by an insurer of disability insurance coverage on
the grounds that the policy defines "disability" as being presumed in the
event that the insured loses his or her eyesight. However, an insurer may
exclude from coverage disabilities consisting solely of blindness or
partial blindness when such condition existed at the time the policy was issued.
(d) No life company shall refuse to insure or to continue to insure an
individual solely because of the individual's status as a member of the
United States Air Force, Army, Coast Guard, Marines, or Navy or solely because
of the individual's status as a member
of the National Guard or Armed Forces Reserve.
(e) An insurer or producer authorized to issue policies of insurance in this State may not make a distinction or 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. This subsection (e) does not prohibit an insurer or producer from excluding or limiting coverage under a policy or refusing to offer the policy based upon past lawful travel or future lawful travel plans or from charging a different rate for that coverage when that action is based upon sound actuarial principles or is related to actual or reasonably expected experience and is not based solely on the destination's inclusion on the United States Department of State's travel warning list.
(Source: P.A. 99-143, eff. 7-27-15.)