Under 215 ILCS 5/143, no policy of insurance may be issued or delivered in Illinois unless the policy form has been:

Why this is the answer

Section 143 of the Illinois Insurance Code sets the form-filing framework. Insurers must file policy forms with the IDOI Director, who may disapprove forms that violate Illinois law, are deceptive, or contain prohibited provisions. For most P&C lines Illinois follows a file-and-use framework. The Director's affirmative approval is generally not required, but disapproval can occur within the statutory review window. This regime ensures Illinois insureds receive forms compliant with mandatory provisions, while preserving market efficiency.