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new civil union law illinois - Chicago Illinois Family Law Blog

Life Insurance and Civil Union Spouses in Illinois

By Nottage and Ward on July 20, 2011

Now that Illinois’ civil union law is in effect, we will continue discussing the new benefits that have been granted to civil union couples in our ongoing blog series. In this post, we discuss life insurance in relation to civil union spouses.

Can life insurance be purchased to cover a civil union spouse?

Yes, life insurance can be bought to cover a civil union spouse. In order to buy insurance on someone else’s life and be designated as the beneficiary, it must be determined that someone has an “insurable interest” in the insured person’s life, meaning they would suffer losses, financial and otherwise, if the insured person died. Typically, insurance companies assume that close relatives, such as a spouse or child, have an insurable interest in an insured person’s life. Illinois’ civil union law guarantees that civil union spouses are treated equally as married spouses in regards to life insurance coverage and benefits.

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Predicting the Impact of New Civil Union Legislation in Illinois

By Nottage and Ward on February 15, 2011

The “Illinois Religious Freedom Protection and Civil Union Act” has been approved and the new Illinois civil union legislation will be effective starting June 1, 2011. However, as a Courier-News article points out, the exact impact and implementation of the new civil union law is not as clear.

As county registrars and county clerks begin preparations surrounding the distribution of civil union licenses, it is expected that civil unions will create more work for some offices and employees, although the exact change in workload is uncertain.

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