At Illinois Mutual, we know that each of our policyowners is unique, with different needs, different goals and a different financial situation. That's why we built our term portfolio with a variety of options - to ensure that whatever your needs are, they can be met.

Your first choice for life insurance may be low cost term insurance. But with such a policy, while you pay inexpensive premiums for many years, you don't collect benefits unless you die.

With Return of Premium Term, you can enjoy all the peace of mind that comes with traditional term insurance, plus the additional benefit of getting money back at the end of the term period!

How Does It Work?

Return of Premium Term provides the necessary level death benefit protection you need at affordable rates. With our 15, 20 or 30-year Return of Premium Term plans, a death benefit is there if you need it. If the benefit is not needed, you receive a 100 percent return of all base premiums* paid at the end of the term period, as long as your policy is in force. A partial premium return is available in the early years of the policy.

Return of Premium Term offers you the best of both worlds - affordable protection if you need it, money back if you don't. Because of this, many value-driven consumers choose this unique solution for their life insurance protection.

In the event of a premature death, whether your goal is income replacement, debt liquidation, college fund or protecting your family, Return of Premium Term is right for you.

Benefits

• Win-win situation - life insurance protection if you need it, money back if you don't.
• May combine with permanent insurance for the best mix in your personal situation.
• May be renewed without proving insurability.
• May be converted to a permanent policy without proving insurability.