It seems that today, we insure everything - our house, our car, our health, and with Illinois Mutual - our income, our life and our retirement. Wouldn't it be great if there was insurance that gave you your money back if you never needed to use it? Believe it or not, such insurance does exist! Illinois Mutual proudly offers both disability and life insurance products that can return all your premiums back to you at age 65.

There are a number of optional features you can add to your disability insurance policy. But our most commonly sold option is the Surrender Value Rider, which provides guaranteed money back by returning 100% your premiums paid, less benefits received, at age 65. In other words, you get important income protection if you need it, or your money back if not. It's a win-win situation.

To date, Illinois Mutual has returned more than $45 million in premiums to policyowners who have included the Surrender Value Rider on their DI policy. Once you reach age 65 and are entitled to your return, there are a variety of settlement options you can choose from. Over the years, some policyowners have used their refund to start an Illinois Mutual annuity, pay long-term care premiums, begin a monthly or annual income or otherwise invest it.

So if you're looking for a way to protect your income, but with the option to get 100% of your money back, ask your agent to add the Surrender Value Rider to your individual DI policy and make it Return of Premium DI!