Anxiety. Asthma. Diabetes. Epilepsy. Heart Attack. If you have successfully managed such health conditions and continue to work, you already have enough battles in life. Worrying about protecting your ability to earn a living shouldn't be one of them. You work hard to give your family what they need. That's why your income is one of your most valuable assets. If a total disability took away your ability to work, your income could stop but the bills never would. Disability insurance could be the means to financial survival.

Special Risk Income Protection SR21 disability insurance policy, is guaranteed renewable to age 65, which means that as long as premiums are paid, the policy can not be canceled. This product was designed to provide affordable income protection for individuals like yourself who are challenged to find quality, comprehensive disability coverage due to health concerns and do not qualify for traditional DI products.

SR21 allows you to:

• choose a 30, 60, 90 or 180 day elimination period, or waiting period - that is the amount of time between the beginning of the disability and the date you qualify to begin receiving benefits.
• choose a two or five year benefit period - that is the maximum length of time you will receive payment from Illinois Mutual for each period of disability.
• be covered in your own occupation for two years. The ability to perform specific activities related to your occupation is an important consideration.
• be covered 24 hours a day, on or off the job.
• receive tax-free benefits. When the policy premiums are paid by you, the benefits you receive are income tax free.
• waive future premiums after 90 days of total disability with our built-in Waiver of Premium.

You can choose an option that:

• returns premiums you paid, less any claims at age 65: Surrender Value Rider.
• pays you for up to six months if you become partially disabled: Partial Disability Benefit.
• receive an additional total disability benefit: Integrated Monthly Benefit Rider.

Some features and options availability may vary by state and occupation class.