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Learn more about our products and how you can start selling the Fast, Simple, Seamless® way with Illinois Mutual!


  • Life
  • DI
  • Worksite

Life Insurance


Designed for middle Americans, Illinois Mutual Life Insurance products offer flexible coverage with a Fast, Simple, Seamless® sales process that fits your clients' busy lifestyles. Our Path Protector® series includes term, return of premium term, whole life, and final expense insurance to help protect clients no matter where they are on life's path. Combine that with a variety of optional riders and you can help clients find the right amount of coverage to fit their specific needs and budget.


Path Protector® Whole Life

Path Protector® Whole Life

Path Protector® Whole Life offers lifetime coverage with premiums, death benefit and cash values guaranteed for the life of the policy as long as premiums are paid in a timely manner. Whole life insurance can be a valuable asset within your overall portfolio that builds value over time to protect your financial goals in the event of your premature death.

Guarantees

  • Guaranteed Premium Rates: Your premium rate will not increase during the life of your contract regardless of changes in your health or age.
  • Guaranteed Cash Value Accumulation: Once cash value is contractually guaranteed to grow in your policy until age 121.*
  • Guaranteed Death Benefit: Don’t wonder what would happen to the ones you care about most; know they are protected with a guaranteed death benefit.

Cash Accumulation

Path Protector® Whole Life offers a cash accumulation feature that grows tax deferred under current tax laws1. While life insurance’s primary purpose is financial protection for your beneficiaries, the cash value can be accessed through a loan to help provide funds for emergency purposes, such as medical expenses or educational needs, although you should be aware that accumulating sufficient cash value for such purposes often takes a number of years. Loans reduce the death benefit and cash value and accrue interest at 7.25% per year, payable in advance.

Flexible Payment Options

Path Protector® Whole Life provides five payment plans. Once the policy is paid up and all premium payments have been made, your death benefit and cash value continue to grow over the life of the policy. Some of these payment options may create a modified endowment contract (MEC). You should consult an accountant or attorney about whether a MEC is suitable for your situation.

  • Single Pay: Your policy is fully paid up after the first single payment
  • 10-Pay: Your policy is fully paid up after 10 years of premium payments
  • 20-Pay: Your policy is fully paid up after 20 years of premium payments
  • To Age 65 Pay: Your policy is fully paid up at age 65 of the insured
  • Continuous Pay: Your policy is fully paid up at age 121 of the insured
*In many policies, cash value accumulates beginning after a few years. Please review your illustration carefully.
1Illinois Mutual does not guarantee statements about taxation since federal and state tax laws are subject to change.

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.

Path Protector® Term Life

Path Protector® Term

Path Protector® Term Life is a guaranteed premium term life insurance policy, renewable to age 95. Premiums are guaranteed level for the initial term period of 10, 15, 20 or 30 years. The policy may be renewed after the initial term period at annually increasing rates until age 95.

  • Maximum amount of coverage for minimum amount of cost
  • Ideal for specified period of time
  • Flexible coverage periods
  • Can be renewed without proving insurability
  • Can be converted to a permanent policy without proving insurability1
  • Provides a financial bridge when protection need is high and budget is restricted
1As long as you continue paying premiums, you have the option to convert to a permanent life insurance plan through the earlier of the 20th policy year or age 70 without evidence of insurability.

Policy Form 614, Renewable Term To Age 95

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.

Path Protector® Return of Premium Term Life

Path Protector® Return of Premium Term

Path Protector® Return of Premium Term offers the best of both worlds – life protection if you need it, money back if you don’t.

Return of Premium Term 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 your Returnable Premium will be paid back to you as a Return of Premium Endowment Benefit!

The maximum Returnable Premium amount is the sum of the annual premiums you’ve paid from the time you first purchased your 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.1

It is your choice how you use your Return of Premium Endowment Benefit! Some people choose to put these funds towards retirement or towards paying off a mortgage. Others use it for debt reduction or to pay off business loans.

1The 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.


Path Protector® Final Expense

Path Protector® Final Expense

Over the years, there have been many ways you’ve shown your family you love them. And now, you’d like to give your family a little more security by helping to ensure your financial obligations are fulfilled after you’re gone. With Path Protector® Final Expense from Illinois Mutual, you can design an effective plan that fits your needs.

Path Protector® Final Expense offers you two whole life policies from which to choose. Both offer guaranteed premiums and a guaranteed death benefit.

Level Death Benefit Whole Life

Immediate full death benefit guaranteed never to decrease

Modified Death Benefit Whole Life

For non-accidental death, the death benefit is limited to the return of premium paid accumulated at 5% interest during the first 2 policy years. Thereafter, 100% of the amount of insurance is payable. From day one, full benefits are paid for accidental death.

These life insurance plans can provide an income tax-free benefit1 to help your surviving loved ones pay:

  • Funeral costs
  • Probate expenses
  • Outstanding debt
  • Medical bills

Your policy benefits may also be used to help:

  • Support a grandchild’s college education
  • Provide income to your survivors
  • Arrange for a charitable gift to a church or non-profit organization
  • Create an endowment fund

1Life insurance benefits are generally includible in one’s estate and, as such, may be subject to estate taxes. An attorney or accountant should be consulted regarding taxation (personal and estate) of benefits.

Policy Form 615, Modified Death Benefit Whole Life Insurance
Policy Form 616, Level Death Benefit Whole Life Insurance

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

For costs and details of coverage, limitations, exclusions and terms, contact your Illinois Mutual agent or Illinois Mutual.


Disability Income Insurance


You have the power to help clients protect their income with the Paycheck Power® Series, disability income insurance (DI) from Illinois Mutual. The Paycheck Power® Series was designed for the hardworking middle market and includes Personal Paycheck Power®, individual DI, and Business Expense Power®, business expense DI. With these easy-to-understand plans, you can start selling DI the simple way!


Personal Paycheck Power®

Personal Paycheck Power®

This individual DI policy provides a benefit to help pay your basic monthly living expenses should you become sick or hurt and Totally Disabled1. Some basic monthly expenses that you could use a Personal Paycheck Power® benefit to help pay for include mortgage, rent, utilities, groceries, car payments, child care or credit card balances.


Policy Features:

  • Guaranteed renewable to age 67, which means as long as premiums are paid, the policy cannot be canceled
  • Receive base benefits in addition to Social Security or workers’ compensation
  • 24-hour coverage, 7-days a week, on or off the job
  • Coverage if you are Totally Disabled from your own occupation for a specified period of time (generally two years but may be shorter2) and then Totally Disabled from any occupation
1Total Disability for any one period of disability starting while this policy is in force means: (a) During the first 24 months, your inability to perform the substantial and material duties of your occupation and you are not engaged in any other occupation for wage or profit. (b) After 24 months, your inability to perform the substantial and material duties of any occupation for wage or profit in which you might expect to be engaged, with due regard to your education, training, experience and you are not engaged in any occupation for wage or profit. The definition of Total Disability differs in LA and UT.
2Definition varies in LA and UT.

Policy Form DI105, Disability Income Policy

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

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

Business Expense Power®

Business Expense Power®

This business expense DI policy reimburses you monthly for eligible fixed business expenses should you become sick or hurt and Totally Disabled1. Eligible business expenses that may be covered by Business Expense Power® include lease or rent payments, utilities, office maintenance and repairs, billing and collection fees, depreciation, mortgage and loan interest, property and payroll taxes, property and liability insurance, employee salaries (except those of the insured, someone who replaces the insured, and any family member working less than 3 months), postage, professional service fees, dues and subscriptions.


Policy Features:

  • Premiums are generally tax deductible as a business expense.2
  • Guaranteed renewable to age 67, which means as long as premiums are paid, the policy cannot be canceled
  • Receive base benefits in addition to Social Security or workers’ compensation
  • 24-hour coverage, 7-days a week, on or off the job
1Total Disability for any one period of disability starting while this policy is in force means your inability to perform the substantial and material duties of your occupation and you are not engaged in any other occupation for wage or profit. The definition of Total Disability differs in LA and UT.
2Illinois Mutual, its agents and representatives may not give legal or tax advice. You should consult an independent tax advisor regarding your particular circumstances.

Policy Form BE105, Business Expense Policy

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

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

Worksite Insurance


Voluntary Worksite Insurance from Illinois Mutual provides a competitive edge for today’s employers and quality coverage for employees. At no direct cost to employers, our individual voluntary benefits allow employers to complement their current plan with additional benefit offerings. Help enhance your sales and expand your product offering with our worksite products!


Accident Insurance

Accident Insurance

Unfortunately, accidents can be part of everyday life and are often partnered with expensive medical bills resulting in out-of-pocket costs for employees. Accident insurance coverage can help cover these out-of-pocket expenses. The base accident policy underwritten by Illinois Mutual provides benefits for loss due to accidental bodily injuries only and does not provide benefits for loss due to sickness. Illinois Mutual Accident coverage is not intended to replace major medical, medical expense or Medicare Supplement coverage. The Accident policy does not meet the Minimum Essential Coverage Requirements of the Affordable Care Act.

Eligibility:

  • Employees and Spouses age 18 to 69
  • Dependent Children age 0 to 21 or to age 23 if a full-time student1

Employer's Choice of Coverage Options:

  • 24-Hour
  • Off-the-Job Only

Employer's Choice of Policy Benefit Plans:

  • Economy
  • Standard
  • Preferred
  • Premium

Optional Riders2:

  • Off Job Accident Disability Rider
  • Catastrophic Accident Rider
  • Sickness Hospital Confinement Rider3
  • Wellness Benefit Rider4
  • Please note, the applicant must attest that each insured under the Sickness Hospital Confinement Rider or Wellness Benefit Rider has medical coverage meeting the minimum essential coverage requirements of the Affordable Care Act.
1May vary by state.
2Not all riders are available in all states.
3Not guaranteed issue. Additional health questions apply.
4If the Accident Policy and Critical Illness policy are both applied for, the Wellness Benefit Rider will only be available on one policy.

Policy Form WSA07, Voluntary Accident Policy
Policy Form 9241, Off Job Accident Only Disability Rider
Policy Form 9242, Sickness-Hospital Confinement Rider
Policy Form 9243, Wellness Benefit Rider
Policy Form 9245, Catastrophic Accident Rider


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

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

Critical Illness

Critical Illness

Critical illnesses are often unexpected and can result in unexpected financial strain. Critical illness benefits can relieve this strain with a lump sum payment to be used for any purpose the insured person desires. Worksite Critical Illness is a limited benefit policy. It is not intended to replace major medical, medical expense or Medicare Supplement coverage. The Critical Illness policy does not meet the Minimum Essential Coverage Requirements of the Affordable Care Act.

Eligibility:

  • Employees and Spouses age 18 to 69
  • Dependent children age 0 to 191

Employer’s choice of coverage options:

  • Base Plan Only
  • Base Plan Plus Cancer

Guaranteed Renewable to age 72

Benefit Amounts:

  • Employee Amount: $5,000 - $50,000
  • Spouse Amount: 50% of Employee Amount
  • Dependent Child Amount: 25% of Employee Amount

Optional Riders:

  • Cancer Critical Illness Benefit Rider2
  • Recurrence Benefit Rider
  • Cancer One Recurrence Benefit Rider2
  • Wellness Benefit Rider3
    Please note, the applicant must attest that each insured under the Wellness Benefit Rider has medical coverage meeting the minimum essential coverage requirements of the Affordable Care Act.
1Dependent child coverage terminates at age 26.
2The employer decides if the Cancer Critical Illness Benefit Rider will be offered to employees. If the employer chooses to offer the Base Plan Plus Cancer coverage, and the employee selects the Recurrence Benefit Rider, both the Recurrence Benefit Rider and the Cancer One Recurrence Benefit Rider will be attached to the policy.
3If the Accident Policy and Critical Illness policy are both applied for, the Wellness Benefit Rider will only be available on one policy.

Policy Form WC14, Voluntary Critical Illness Policy
Policy Form WSA07, Voluntary Accident Policy
Policy Form 8061, Cancer Critical Illness Benefit Rider
Policy Form 8062, Recurrence Benefit Rider
Policy Form 8063, Cancer One Recurrence Benefit Rider
Policy Form 9243, Wellness Benefit Rider

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

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

Short Term Disability

Short Term Disability Insurance

Give your employees the option to purchase coverage based on their budget and personal needs. In addition, when employees pay the premiums themselves, they generally receive their benefits tax-free.1

Eligibility:

  • Employees age 17 to 64
  • Spouses and children not eligible

Employer's Choice of Coverage Options:

  • 24-Hour
  • Off-the-Job Only

Benefit Periods2:

  • Range from 3 months to 60 months
  • Employers may elect to offer their employees multiple options for benefit periods
  • These policies generally contain waiting periods before benefits are payable

Benefit Amounts:

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