Illinois Mutual’s optional riders, available at an additional cost, give you the flexibility to personalize your DI plan. Below are some of our most popular options.
Return of Premium Rider
The Return of Premium Rider provides DI coverage if you need it, your money back if you don’t. From ages 65 to 67, you are eligible to receive a refund of 100% of the money you spent on policy premiums less any benefits already paid. Your policy ends when the Return of Premium is paid. Any benefits that may accrue under the policy after the Return of Premium amount has been paid will be payable only to the extent such benefits exceed the Return of Premium amount.
Retroactive Injury Benefit Rider
The Retroactive Injury Benefit Rider pays benefits while you are Totally Disabled due to an Injury causing the Total Disability. The Total Disability must occur within 30 days of the Injury and continue during the elimination period.
Guaranteed Insurability Option (GIO) Rider
As your income increases and your DI needs change, the GIO Rider allows you to get the DI coverage you need now with the option to purchase additional coverage in the future without evidence of good health. You can purchase additional coverage up to 5 times, every 12 months after the policy effective date, prior to age 60.