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Best of Both Worlds
Offer your clients life protection if needed, money back if not!   Read More >

Return of Premium Term is Here!

Best of Both Worlds
Path Protector® Return of Premium Term offers your clients the best of both worlds – life protection if they need it, and money back if they don’t. It also gives them the option to convert to a permanent policy without evidence of insurability through the initial term period, through the 20th policy year, or to age 70, whichever is earlier.

Here’s how it works:
Return of Premium Term (Form LRPT15) is available for face amounts of $25,000 to $250,000. If the policy is in force when the initial term period ends and its terms have been met, 100% of the Returnable Premium will be paid back to your client as a Return of Premium Endowment Benefit!

The maximum Returnable Premium amount is the sum of the annual premiums paid from the time your client first purchased the policy through the last day of the initial term period. Additional premiums paid for riders, supplemental benefits, and rated policies are not included in Returnable Premium calculations.*

The Return of Premium Endowment Benefit can be used for whatever your clients need – from providing cash to help your clients make the transition to retirement to helping with mortgage or business loan payoffs.

For more details, download form UP110 and order a supply of C5529 RPT Consumer Brochures from the Resource Library on the Agent Forum today!

*The amount payable as the Return of Premium Endowment Benefit will be reduced by any outstanding loans, any paid Accelerated Benefit, and any accrued interest.

 

Policy Form LRPT15, Term Endowment Life Insurance

Not available in AK, CA, DC, HI, MT or NY. Coverage and availability may vary in other states.

For policy costs and details of coverage, limitations, exclusions and terms, contact Illinois Mutual.

It's the perfect time to reach out to clients and prospects about their life insurance needs. We can help you do just that with a wide range of free marketing tools available!   Read More >

Life Insurance Awareness Month is Here!

Life Insurance Awareness Month (LIAM)* is an industry-wide campaign coordinated by Life Happens aimed at educating the public about the importance of life insurance and helping them get the coverage they need.

It’s the perfect time to reach out to your clients and prospects and talk to them about their life insurance needs. We can help you do just that with a wide variety of free marketing tools. From stuffers and tables tents to social media posts and downloadable ads, we have the right piece for almost any communication strategy.

Click here to log in to the Agent Forum and search keyword LIAM in the Resource Library today!

*LIAM is an industrywide event coordinated by Life Happens. Illinois Mutual is a member of Life Happens.

Offer your clients Single Premium Path Protector® Whole Life using Illinois Mutual’s new Simplified Issue application!  Read More >

Single Premium Whole Life Now Simplified Issue!

Offer your clients Single Premium Path Protector® Whole Life using Illinois Mutual’s new Simplified Issue application!

Because our focus is on the middle market, we know your clients will appreciate the ease of the simplified process, which includes fewer medical questions, fewer ratings, and faster decisions!

  • FAST: Fewer medical questions to answer!
  • SIMPLE: No exams required at time of application! (MIB, Rx data check or information developed during the underwriting process may prompt additional underwriting requirements. Contact the Home Office Sales Department for further details.)
  • SEAMLESS®: Fewer ratings and faster decisions! Policies rated up to and including
    table D will be classified as Standard, with Preferred available for those who qualify.

Benefits of Single Premium Whole Life:

  • Guaranteed lifetime insurance coverage with a single payment
  • Immediate increase in estate upon policy issue
  • Tax-deferred cash accumulation under current tax laws* and federal income tax-free death benefit**
  • Guaranteed cash value accumulation

 

Find the new application in the Resource Library on the Agent Forum by searching for LSPWL15APP. For more details, download form UP109 from the Resource Library on the Agent Forum today!


Please Note: Purchase of this policy may affect one's ability to qualify for governmental benefits, e.g., Supplemental Security Income or Medicaid.

Single premium life insurance most likely will be a MEC.

Your clients should consult an accountant or attorney in each situation.

 

*Withdrawals of cash value are taxed to the extent of gains. Also, penalties may apply if under 59-1/2 or not disabled.
**Life insurance benefits are generally includible in one’s estate and, as such, may be subject to estate taxes.

Policy Form 617, Whole Life Insurance To Age 121 Policy

Not available in AK, DC, HI, MT or NY. Coverage and availability may vary in other states.

For policy costs and details of coverage, limitations, exclusions and terms, contact Illinois Mutual.

Illinois Mutual’s 2014 Annual Report microsite, www.IllinoisMutualNow.com, is live! Visit the site to see video stories of real Illinois Mutual policyowners, agents and Home Office employees. You can also view the Company’s 2014 financial results.   Read More >

2014 Annual Report - Company Highlights and Financials

Illinois Mutual’s 2014 Annual Report microsite, www.IllinoisMutualNow.com, is live! Visit the site to see video stories of real Illinois Mutual policyowners, agents and Home Office employees. You can also view the Company’s 2014 financial results.

Plan for the Future
Hear how a small-business owner, David Kimble, worked with his Illinois Mutual agent to build a life insurance plan to help protect his family, his business and his future.

Provide Value
Learn how Sue Matis, Executive Vice President for Human Resources and Development at River City Bank, invested in River Valley’s employees and added value to their benefit package with Illinois Mutual’s workplace products.

Protect Your Income
Listen as a small-business owner, Pamela Bell, discusses the importance of helping protect her income, and with it her way of life, with disability income insurance from Illinois Mutual.

Visit www.IllinoisMutualNow.com to learn more about how Illinois Mutual helps families and businesses plan for the future by providing insurance solutions that protect what matters most.

Video Center

Show the importance of insurance protection with videos from Illinois Mutual! These videos provide a simple way for you to get the conversation started, help explain how a product works, or share real policyowner stories with your clients.