In response, Frerichs pushed for legislation forcing life insurers to confirm they've paid death benefits on policies that were up-to-date with carriers. Gov. Bruce Rauner signed that bipartisan-supported bill in August 2016, and it took effect in January. Still, if the state's life insurance firms thought Frerichs was done with them, they were mistaken. This time around, he's pushing life insurers to dig deeper into their records, going back to 1996, to confirm if death benefits were paid. The measure already has passed in the House and is making its way through the Senate , where it's expected the insurance lobby will push hard to kill it. It's too early to forecast the bill's fate but there are compelling reasons for moving it along to the governor's desk for approval. (The governor's office says the bill is "under review.") One significant consideration: The life insurance industry's disturbing track record for holding back on paying death benefit claims. Regulators and activists argue the system often keeps regular people in the dark because the industry has placed the legal onus on beneficiaries to file a claim after a death.
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