republic-os/legislation/us/states/il/102nd/sb-2112.md

---
type: "Bill"
title: "INS CODE-LIFE INSURANCE/NOTICE"
description: "Amends the Illinois Insurance Code. Provides that a contract for life insurance covering a natural person 64 years of age or older that has been in force for at least one year may not be lapsed for nonpayment of premium unless the insurer has mailed a notification of the impending lapse in coverage to the policyowner and to a specified secondary addressee if such addressee has been designated in writing by name and address by the policyowner. Provides that an insurer issuing a life insurance contract on or after January 1, 2022 shall notify the applicant of the right to designate a secondary addressee at the time of application for the policy, on a form provided by the insurer and at any time the policy is in force, by submitting a written notice to the insurer containing the name and address of the secondary addressee. Provides that the notice of impending lapse in coverage must be mailed to the policyowner and the secondary addressee at least 21 days before the expiration of the grace period provided in the policy in specified circumstances. Provides that the secondary notice requirement does not apply to any life insurance contract under which premiums are payable monthly or more frequently and are regularly collected by a licensed agent or are paid by credit card or any preauthorized check processing or automatic debit service of a financial institution. Provides that if the policyowner has a life agent of record or any agent of record, the insurer must also notify the agent of the impending lapse in coverage at least 21 days before the effective date of the lapse. Provides that an insurer is not required to notify the agent in specified circumstances. Effective January 1, 2022."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "SB 2112"
citation: "Illinois SB 2112 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Napoleon Harris, III", "Robyn Gabel"]
version_count: 4
action_count: 36
vote_count: 2
first_action: "2021-02-26"
last_action: "2021-08-20"
source: "openstates"
source_identifier: "ocd-bill/a7872e38-439e-485b-bb41-57be204244ab"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=2112&GAID=16&DocTypeID=SB&LegId=134763&SessionID=110&GA=102"
source_hash: "a0a1540c1a4dee205a7d06edd10ac63d857b9337af9c8ecb359b91a86bbdebad"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-il"]
---

# Illinois SB 2112 (102nd) — INS CODE-LIFE INSURANCE/NOTICE

Amends the Illinois Insurance Code. Provides that a contract for life insurance covering a natural person 64 years of age or older that has been in force for at least one year may not be lapsed for nonpayment of premium unless the insurer has mailed a notification of the impending lapse in coverage to the policyowner and to a specified secondary addressee if such addressee has been designated in writing by name and address by the policyowner. Provides that an insurer issuing a life insurance contract on or after January 1, 2022 shall notify the applicant of the right to designate a secondary addressee at the time of application for the policy, on a form provided by the insurer and at any time the policy is in force, by submitting a written notice to the insurer containing the name and address of the secondary addressee. Provides that the notice of impending lapse in coverage must be mailed to the policyowner and the secondary addressee at least 21 days before the expiration of the grace period provided in the policy in specified circumstances. Provides that the secondary notice requirement does not apply to any life insurance contract under which premiums are payable monthly or more frequently and are regularly collected by a licensed agent or are paid by credit card or any preauthorized check processing or automatic debit service of a financial institution. Provides that if the policyowner has a life agent of record or any agent of record, the insurer must also notify the agent of the impending lapse in coverage at least 21 days before the effective date of the lapse. Provides that an insurer is not required to notify the agent in specified circumstances. Effective January 1, 2022.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB2112.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB2112eng.pdf)
3. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB2112sam001.pdf)
4. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB2112enr.pdf)

## Votes

- Third Reading — **59–0** (pass) · upper
- Third Reading — **116–0** (pass) · lower

## Sponsors

- Napoleon Harris, III — primary (person)
- Robyn Gabel — primary (person)
- Jacqueline Y. Collins — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-02-26** Filed with Secretary by Sen. Napoleon Harris, III `filing`
- **2021-02-26** First Reading `reading-1`
- **2021-02-26** Referred to Assignments `referral-committee`
- **2021-03-16** Assigned to Insurance `referral-committee`
- **2021-03-16** Added as Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2021-03-24** Do Pass Insurance; 013-000-000 `committee-passage`
- **2021-03-24** Placed on Calendar Order of 2nd Reading March 25, 2021
- **2021-04-16** Senate Floor Amendment No. 1 Filed with Secretary by Sen. Napoleon Harris, III `amendment-introduction`
- **2021-04-16** Senate Floor Amendment No. 1 Referred to Assignments `referral-committee`
- **2021-04-20** Senate Floor Amendment No. 1 Assignments Refers to Insurance
- **2021-04-21** Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 014-000-000
- **2021-04-22** Senate Floor Amendment No. 1 Adopted; Harris `amendment-passage`
- **2021-04-22** Second Reading `reading-2`
- **2021-04-22** Placed on Calendar Order of 3rd Reading April 23, 2021
- **2021-04-23** Rule 2-10 Third Reading Deadline Established As April 30, 2021 `reading-3`
- **2021-04-30** Rule 2-10 Third Reading Deadline Established As May 7, 2021 `reading-3`
- **2021-05-06** Third Reading - Passed; 059-000-000 `passage, reading-3`
- **2021-05-07** Arrived in House `introduction`
- **2021-05-07** Chief House Sponsor Rep. Jay Hoffman
- **2021-05-11** First Reading `reading-1`
- **2021-05-11** Referred to Rules Committee `referral-committee`
- **2021-05-11** Alternate Chief Sponsor Changed to Rep. Robyn Gabel
- **2021-05-13** Assigned to Insurance Committee `referral-committee`
- **2021-05-13** Committee/Final Action Deadline Extended-9(b) May 28, 2021
- **2021-05-20** Do Pass / Consent Calendar Insurance Committee; 018-000-000 `committee-passage`
- **2021-05-21** Placed on Calendar 2nd Reading - Consent Calendar
- **2021-05-24** Second Reading - Consent Calendar `reading-2`
- **2021-05-24** Held on Calendar Order of Second Reading - Consent Calendar `reading-2`
- **2021-05-25** Placed on Calendar Order of 3rd Reading - Consent Calendar
- **2021-05-26** Third Reading - Consent Calendar - First Day `reading-3`
- **2021-05-27** Third Reading - Consent Calendar - Passed 116-000-000 `passage, reading-3`
- **2021-05-27** Passed Both Houses
- **2021-06-25** Sent to the Governor `executive-receipt`
- **2021-08-20** Governor Approved `executive-signature`
- **2021-08-20** Effective Date January 1, 2022
- **2021-08-20** Public Act . . . . . . . . . 102-0542 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a7872e38-439e-485b-bb41-57be204244ab`. Confidence: reported (aggregated from official Illinois legislature records).