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Illinois Compiled Statutes

215 ILCS 5/143 (2026)

Policy forms

✓ current as of May 2026
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(215 ILCS 5/143) (from Ch. 73, par. 755)
    Sec. 143. Policy forms.
    (1) Life, accident and health. No company transacting the kind or kinds of business enumerated in Classes 1 (a), 1 (b) and 2 (a) of Section 4 shall issue or deliver in this State a policy or certificate of insurance or evidence of coverage, attach an endorsement or rider thereto, incorporate by reference bylaws or other matter therein or use an application blank in this State until the form and content of such policy, certificate, evidence of coverage, endorsement, rider, bylaw or other matter incorporated by reference or application blank has been filed electronically with the Director, either through the System for Electronic Rate and Form Filing (SERFF) or as otherwise prescribed by the Director, and approved by the Director. Any such endorsement or rider that unilaterally reduces benefits and is to be attached to a policy subsequent to the date the policy is issued must be filed with, reviewed, and formally approved by the Director prior to the date it is attached to a policy issued or delivered in this State. It shall be the duty of the Director to disapprove or withdraw any such policy, certificate, endorsement, rider, bylaw or other matter incorporated by reference or application blank filed if it contains deficiencies, provisions which encourage misrepresentation or are unjust, unfair, inequitable, ambiguous, misleading, inconsistent, deceptive, contrary to law or to the public policy of this State, or contains exceptions and conditions that unreasonably or deceptively affect the risk purported to be assumed in the general coverage of the policy. In all cases the Director shall approve, withdraw, or disapprove any such form within 60 days after submission unless the Director extends by not more than an additional 30 days the period within which the form shall be approved, withdrawn, or disapproved by giving written notice to the insurer of such extension before expiration of the initial 60 days period. The Director shall withdraw approval of a policy, certificate, evidence of coverage, endorsement, rider, bylaw, or other matter incorporated by reference or application blank if it is subsequently determined that such policy, certificate, evidence of coverage, endorsement, rider, bylaw, other matter, or application blank is misrepresentative, unjust, unfair, inequitable, ambiguous, misleading, inconsistent, deceptive, contrary to law or public policy of this State, or contains exceptions or conditions which unreasonably or deceptively affect the risk purported to be assumed in the general coverage of the policy or evidence of coverage.
    If a previously approved policy, certificate, evidence of coverage, endorsement, rider, bylaw or other matter incorporated by reference or application blank is withdrawn for use, the Director shall serve upon the company an order of withdrawal of use, either personally or by mail, and if by mail, such service shall be completed if such notice be deposited in the post office, postage prepaid, addressed to the company's last known address specified in the records of the Department of Insurance. The order of withdrawal of use shall take effect 30 days from the date of mailing but shall be stayed if within the 30-day period a written request for hearing is filed with the Director. Such hearing shall be held at such time and place as designated in the order given by the Director. The hearing may be held either in the City of Springfield, the City of Chicago or in the county where the principal business address of the company is located. The action of the Director in disapproving or withdrawing such form shall be subject to judicial review under the Administrative Review Law.
    This subsection shall not apply to riders or endorsements issued or made at the request of the individual policyholder relating to the manner of distribution of benefits or to the reservation of rights and benefits under his life insurance policy.
    (2) Casualty, fire, and marine. The Director shall require the filing of all policy forms issued or delivered by any company transacting the kind or kinds of business enumerated in Classes 2 (except Class 2 (a)) and 3 of Section 4 in an electronic format either through the System for Electronic Rate and Form Filing (SERFF) or as otherwise prescribed and approved by the Director. In addition, he may require the filing of any generally used riders, endorsements, certificates, application blanks, and other matter incorporated by reference in any such policy or contract of insurance. Companies that are members of an organization, bureau, or association may have the same filed for them by the organization, bureau, or association. If the Director shall find from an examination of any such policy form, rider, endorsement, certificate, application blank, or other matter incorporated by reference in any such policy so filed that it (i) violates any provision of this Code, (ii) contains inconsistent, ambiguous, or misleading clauses, or (iii) contains exceptions and conditions that will unreasonably or deceptively affect the risks that are purported to be assumed by the policy, he shall order the company or companies issuing these forms to discontinue their use. Nothing in this subsection shall require a company transacting the kind or kinds of business enumerated in Classes 2 (except Class 2 (a)) and 3 of Section 4 to obtain approval of these forms before they are issued nor in any way affect the legality of any policy that has been issued and found to be in conflict with this subsection, but such policies shall be subject to the provisions of Section 442.
    (3) This Section shall not apply (i) to surety contracts or fidelity bonds, (ii) to policies issued to an industrial insured as defined in Section 121-2.08 except for workers' compensation policies, nor (iii) to riders or endorsements prepared to meet special, unusual, peculiar, or extraordinary conditions applying to an individual risk.
(Source: P.A. 102-775, eff. 5-13-22.)

    
Notes of Decisions
Cited in 21 cases (2 in the last 5 years), 1993–2025 · leading case: Lee v. John Deere Ins., 802 N.E.2d 774 (Ill. 2003).
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Lee v. John Deere Ins., 802 N.E.2d 774 (Ill. 2003). · cites it 2× “” 215 ILCS 5/143(2) (West 1992). The same statute provides that “if the Director shall find from an examination of any such policy form, rider, endorsement, certificate, application blank, or other matter incorporated by reference in any such policy so filed that it violates any…”
Nat'l Union Fire Ins. Co. of Pittsburgh, Pennsylvania v. Glenview Park Dist., 632 N.E.2d 1039 (Ill. 1994). · cites it 2× “" (215 ILCS 5/143(2) (West 1992).) National Union never filed its additional insured endorsement with the Director.”
Pritza v. Vill. of Lansing, 940 N.E.2d 1164 (Ill. App. Ct. 2010). · cites it 2× “(West 2008)) and the underinsured coverage requirement of the Illinois Insurance Code (215 ILCS 5/143 (West 2008)). Plaintiff-appellant, Nikola Pritza, filed the instant declaratory judgment action seeking reformation of a policy issued by defendant IMLRMA to codefendant, the…”
State Farm Mut. Auto. Ins. v. Villicana, 692 N.E.2d 1196 (Ill. 1998). “In Luechtefeld , we concluded that "[b]y depriving the insured of uninsured-motorist coverage in some circumstances, the exclusion in Squire violated the statutory requirement in section 143(a) of the Illinois Insurance Code (215 ILCS 5/143(a) (West 1992)) that every automobile…”
Dixon Distrib. Co. v. Hanover Ins., 612 N.E.2d 846 (Ill. App. Ct. 1993). · cites it 2× “755(2) (now 215 ILCS 5/143 (West 1992)).) Dixon had the right to assume, under its umbrella policy specifically listing the 10 torts and any other similar tort, that the policy would cover the tort of retaliatory discharge.”
DeSaga v. West Bend Mut. Ins., 910 N.E.2d 159 (Ill. App. Ct. 2009). “215 ILCS 5/143(a), 143(a) — 2(1) (West 2006).”
Am. Country Ins. v. Cline, 722 N.E.2d 755 (Ill. App. Ct. 1999). “See 215 ILCS 5/143(2) (West 1994). While the Director’s silence is not conclusive, it is “entitled to great weight as against the contention that such a provision is against public policy.”
CAT Express, Inc. v. Muriel, 2019 IL App (1st) 181851 (Ill. App. Ct. 2020). “The Director’s express authority under the Insurance Code is extensive and includes approving policy forms and related forms for myriad types of insurance (215 ILCS 5/143 (West 2016)), examining insurance companies (id.”
Griffin v. Universal Cas. Co., 654 N.E.2d 694 (Ill. App. Ct. 1995). “Fuchs further certified that, in accordance with section 143 of the Illinois Insurance Code (215 ILCS 5/143 (West 1992)), the defendant filed the stated value policy provisions with the Director of Insurance, who approved the policy for issuance effective April 1, 1992.”
Fed. Deposit Ins. Corp., in Its Corp. Capacity v. Am. Cas. Co. of Reading, Pa., Garnishee Fed. Deposit Ins. Corp., in Its Corp. Capacity v. Margie Zaborac, Chester Jacobus, George Baylor, & Harry Tarter, Wayne Grove & Linda Grove, & Am. Cas. Co. of Reading, Pa., Garnishee, 998 F.2d 404 (7th Cir. 1993). “73, p 755(2) was renumbered as 215 ILCS 5/143 2 The sole case properly on appeal in this court is Cause No.”
Fid. & Cas. Co. v. Merridew, 762 N.E.2d 570 (Ill. App. Ct. 2001). “Country Mutual filed a motion to dismiss plaintiff’s complaint contending that the liable driver’s vehicle was not underinsured, as defined by the Illinois Insurance Code (215 ILCS 5/143 et seq. (West 1992)), because the driver carried liability limits that were equal to the…”
Hasemann v. White, 671 N.E.2d 776 (Ill. App. Ct. 1996). “Defendants were now regarded as uninsured motorists, because under section 143(a), a motorist insured by an insolvent insurer is considered an uninsured motorist (215 ILCS 5/143(a) (West 1994)). Plaintiffs filed a motion to stay the proceedings while they filed a claim against…”
Show all 21 citing cases →
— 215 ILCS 5/143(1) — 1 case
McCombs v. Reliance Stand. Life Ins. Co. (N.D. Ill. 2023).
— 215 ILCS 5/143(2) — 5 cases
Lee v. John Deere Ins., 802 N.E.2d 774 (Ill. 2003). “” 215 ILCS 5/143(2) (West 1992). The same statute provides that “if the Director shall find from an examination of any such policy form, rider, endorsement, certificate, application blank, or other matter incorporated by reference in any such policy so filed that it violates any…”
Nat'l Union Fire Ins. Co. of Pittsburgh, Pennsylvania v. Glenview Park Dist., 632 N.E.2d 1039 (Ill. 1994). “" (215 ILCS 5/143(2) (West 1992).) National Union never filed its additional insured endorsement with the Director.”
Am. Country Ins. v. Cline, 722 N.E.2d 755 (Ill. App. Ct. 1999). “See 215 ILCS 5/143(2) (West 1994). While the Director’s silence is not conclusive, it is “entitled to great weight as against the contention that such a provision is against public policy.”
Lee v. John Deere Ins. Co . (Ill. 2003).
Am. Country Ins. Co. v. Cline (Ill. App. Ct. 1999).
— 215 ILCS 5/143(a) — 6 cases
State Farm Mut. Auto. Ins. v. Villicana, 692 N.E.2d 1196 (Ill. 1998). “In Luechtefeld , we concluded that "[b]y depriving the insured of uninsured-motorist coverage in some circumstances, the exclusion in Squire violated the statutory requirement in section 143(a) of the Illinois Insurance Code (215 ILCS 5/143(a) (West 1992)) that every automobile…”
DeSaga v. West Bend Mut. Ins., 910 N.E.2d 159 (Ill. App. Ct. 2009). “215 ILCS 5/143(a), 143(a) — 2(1) (West 2006).”
Hasemann v. White, 671 N.E.2d 776 (Ill. App. Ct. 1996). “Defendants were now regarded as uninsured motorists, because under section 143(a), a motorist insured by an insolvent insurer is considered an uninsured motorist (215 ILCS 5/143(a) (West 1994)). Plaintiffs filed a motion to stay the proceedings while they filed a claim against…”
Rosenberg v. Zurich Am. Ins. Co. (Ill. App. Ct. 2000).
State Farm Mut. Auto. Ins. Co. v. Villicana (Ill. 1998).
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