Business Expense PowerSM

A business expense disability income insurance plan from Illinois Mutual

An essential tool for responsible business owners.

Policy Basics

• Premiums generally deductible as a business expense*
  * You should consult a tax advisor to determine deductibility.

• Guaranteed renewable to age 67, which means that as long as premiums are paid, the policy cannot be canceled

• Choose a 30, 60 or 90 day elimination period - that is the amount of time between the beginning of the disability and the date you qualify to begin receiving benefits

• Choose a 12, 18 or 24 month benefit period - that is the maximum length of time you will receive payment from Illinois Mutual for each period of disability

• Receive base benefits in addition to Social Security or Worker’s Compensation

• 24-hour coverage, 7 days a week, on or off the job

• Be totally disabled from your own occupation for two years; after two years, you must be totally disabled from any occupation

• Waives future premiums and pays back premiums after 90 days of total disability with our built-in Retroactive Waiver of Premium

Policy Form BE105, Business Expense Policy

This policy has exclusions, limitations and terms under which the policy or options may be continued or discontinued. For costs and complete details of the coverage, call [or write] your insurance agent or Illinois Mutual.

Availability of some features and options may vary by state and occupation class.

Options

You can add options to your policy. Some of our most popular options are:

• Return of Premium Rider returns the premiums you paid, less claims, at age 67

• Guaranteed Insurability Option Rider provides the option to purchase future base benefits without evidence of good health

  • Certain policy and underwriting limits apply including not available after age 55, each exercise must be at least 24 months apart and at least $100 and may be exercised no more than five times

• Retroactive Injury Benefit Rider pays benefits retroactively from first day of total disability after satisfying the elimination period

Policy Form BE105, Business Expense Policy

This policy has exclusions, limitations and terms under which the policy or options may be continued or discontinued. For costs and complete details of the coverage, call [or write] your insurance agent or Illinois Mutual.

Options may have an additional premium. Availability of some features and options may vary by state and occupation class.