Personal Paycheck PowerSM

An individual disability income insurance plan from Illinois Mutual

Insure your most valuable asset – your income.

Policy Basics

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

• Choose a 30, 60, 90 or 180 days, or a one or two-year 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 six month, a one, two, five, or ten year, or to age 67 benefit period* - that is the maximum length of time you will receive payment from Illinois Mutual for each period of disability

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

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

• Receive four times the monthly benefit to spouse or estate in the event of death during a period of total disability with our built-in Survivor Benefit

• Waive future premiums after 90 days of total disability, including reimbursement of any premiums paid during the 90 days of total disability with our built-in Retroactive Waiver of Premium

• Coverage if you are totally disabled from your own occupation for a specified period of time (generally two years, but may be shorter*) and then totally disabled for any occupation

Policy Form DI105, Disability Income 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 Personal Paycheck Power^SM policy. Some of our most popular options are:

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

• Integrated Monthly Benefit Rider provides benefit in addition to monthly benefit (reduced by government benefits)

• Accident Insurance provides 24-hour coverage, 7 days a week for both on-the-job and off-the-job accidents

• 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 you benefits retroactively from first day of total disability after satisfying the elimination period

• Activities of Daily Living Rider provides you with additional coverage if unable to perform 2 out of 6 activities of daily living

• Cost of Living Adjustment Rider guards against potential inflation

Policy Form DI105, Disability Income 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 have an additional cost. Availability of some features and options may vary by state and occupation class.