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  1. Life Insurance

    Meet Julia

    Family is important to Julia, and life insurance is important to Julia’s family. In fact, Julia’s family considers life insurance to be an essential part of their financial plan. Each one of Julia’s 10 siblings has purchased a life insurance policy because they know it is a good way to prepare for tomorrow. However, as Julia entered retirement, she realized she was the only one without a policy. With two children and two grandchildren of her own, Julia knew she needed to protect her future and theirs.


    Meet Carolyn

    A single mother who raised five children on her own, Carolyn admits life hasn’t always been easy. But her daughter Sylvia says that despite the challenges, her mom never left the family wanting. Even today, with her kids grown and on their own, Carolyn continues to provide for their futures.
    Her whole life insurance plan lets her leave a financial inheritance—in addition to a strong legacy of trust, honesty and caring—for the next generation of family.



  2. Path Protector® Term Insurance

    Path Protector® Term Insurance


    Term insurance, as the name implies, provides protection for a particular term or length of time, and therefore pays a benefit if you die during the term period. Term insurance is the lowest premium life insurance available which allows you to maximize your coverage at a very affordable cost. Unlike permanent insurance, no cash values build within a term life policy.

    How Does It Work?


    You choose the term of the policy, within the limits offered by
    Illinois Mutual – 10, 15, 20 or 30 years. The policy provides level death benefit protection for the full term period.

    Benefits

    • More life insurance at a lower cost.
    • May combine term insurance 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.
    Policy Form 614, Renewable Term To Age 95 
  3. Path Protector® Whole Life

    Path Protector® Whole Life


    Path Protector® Whole Life offers lifetime coverage with premiums, death benefit and cash values guaranteed for the life of the policy as long as premiums are paid. Whole life insurance can be a valuable asset within your overall portfolio that builds value over time to protect your financial goals in the event of your premature death.

    How does Path Protector® Whole Life work?


    Path Protector® Whole Life includes a cash accumulation feature that grows tax deferred over the life of the policy. While life insurance’s primary purpose is financial protection for your beneficiaries, the cash value can be accessed through a loan to help provide an emergency fund or to supplement educational expenses or retirement income. Loans reduce the death benefit and cash value and accrue interest at 7.25% per year, payable in advance. While life insurance is not intended to be an alternative to traditional retirement tools, such as 401(k) plans or IRAs, a whole life insurance policy may not only provide protection, but also enhance your long-term financial goals.

    Five different payment options are available with
    Path Protector® Whole Life that will determine the length of time you pay premiums for your life protection plan. Based on your budget and planning goals, you select the payment option that makes the most financial sense. Once the policy is paid up and all premium payments have been made, your death benefit and cash value continue to grow over the life of the policy.

    Benefits

    • Guaranteed premium rates: Your premium rate will not increase during the life of your contract regardless of changes in your health or age.
    • Guaranteed cash value accumulation: The cash value is contractually guaranteed to grow in your policy every year until age 121.
    • Guaranteed death benefit: Don’t wonder what would happen to the ones you care about most; know they are protected with a guaranteed death benefit.

    Policy Form 617, Whole Life Insurance To Age 121 Policy

  4. Universal Life

    Universal Life

    Illinois Mutual’s
    ValueLife Protector (VLP) is a flexible premium universal life insurance policy offering insurance protection and tax-deferred cash value buildup. VLP gives you the ability to adapt coverage and payments to meet your changing needs without compromising continued insurance coverage you can count on.

    How does ValueLife Protector work?

    The ValueLife Protector policy’s name asserts what it’s about – value. This plan is an excellent solution for protecting your dreams and securing your financial future.

    Benefits

    • A death benefit that is free from income taxes
    • Cash value that grows tax-deferred and can be accessed when needed
    • Flexible life insurance protection that can adapt to your changing needs
    • Premium payments designed to fit your budget
    • Can provide level term insurance on your spouse and children
    • Gives you the ability to customize your coverage with a variety of policy riders
    Policy Form 618, Flexible Premium Life Insurance Policy
  5. Path Protector® Final Expense

    Path Protector® Final Expense


    senior coupleYou’ve spent a lifetime taking care of your family. Life insurance can help you continue to care for your family even after you’re gone. With Path Protector® Final Expense from Illinois Mutual, you can apply for a simple and effective plan that meets your personal needs. This final planning solution can help ensure your surviving loved ones aren’t financially burdened by your death.

    Path Protector® Final Expense offers two whole life policies to choose from. Both offer guaranteed premiums and a guaranteed death benefit.

    • Level Death Benefit Whole Life
      Immediate full death benefit guaranteed never to decrease
    • Modified Death Benefit Whole Life
      For non-accidental death, the death benefit is limited to the return of premium paid accumulated at 5% interest during the first 2 policy years. Thereafter, 100% of the amount of insurance is payable.
      From day one, full benefits are paid for accidental death.

    Path Protector® Final Expense can provide an income tax-free benefit* to help your family pay:

    • Funeral Costs
    • Medical Bills
    • Probate Expenses
    • Outstanding Debts

    Your policy benefits may also be used to help:

    • Support a grandchild’s college education
    • Provide income to your survivors
    • Arrange for a charitable gift
    • Create an endowment fund for your church or non-profit organization
    * Life insurance benefits are generally includible in one’s estate and, as such, may be subject to estate taxes. A tax or financial planning advisor should be consulted regarding taxation (personal and estate) of benefits.
    Policy Form 615, Modified Death Benefit Whole Life Insurance
    Policy Form 616, Level Death Benefit Whole Life Insurance
  6. Life Insurance Awareness Month


    September is Life Insurance Awareness Month (LIAM)! This industry-wide event coordinated by Life Happens* is a great time to learn more about the importance of life insurance. Visit www.LIAwareness.com for videos, calculators and more information on how you can help protect your family’s financial future today!

    * Illinois Mutual is a member of Life Happens.

     

  7. Insure Your Love

    February marks the industry-wide Insure Your Love life insurance awareness campaign coordinated by Life Happens.*

    Buying life insurance is a selfless gesture of love; you care so much that you've made plans to protect your loved ones even after you're gone.

    It's called life insurance, but it could be seen as love insurance.

    Watch this video to see how life insurance could help you if “life happens.”



    To learn more about “Insure Your Love,” visit  www.InsureYourLove.org.

    * Illinois Mutual is a member of Life Happens.

     

  1. Life Insurance

  2. Path Protector® Term Insurance

    You choose the term of the policy, within the limits offered by Illinois Mutual – 10, 15, 20 or 30 years. The policy provides level death benefit protection for the full term period.

    Policy Form 614, Renewable Term To Age 95 
    Get a Quote | Back to Top
     
  3. Path Protector® Whole Life

    Path Protector® Whole Life offers lifetime coverage with premiums, death benefit and cash values guaranteed for the life of the policy as long as premiums are paid. Whole life insurance can be a valuable asset within your overall portfolio that builds value over time to protect your financial goals in the event of your premature death.

    Dividends not guaranteed and are payable at the discretion of Illinois Mutual.
    Policy Form 617, Whole Life Insurance To Age 121 Policy


    Get a Quote | Back to Top
     
  4. Universal Life

    Our ValueLife Protector (VLP) is a flexible premium universal life insurance policy offering insurance protection and tax-deferred cash value buildup. VLP gives you the ability to adapt coverage and payments to meet your changing needs without compromising continued insurance coverage you can count on.

    Policy Form 618, Flexible Premium Life Insurance Policy
    Get a Quote | Back to Top
     
  5. Path Protector® Final Expense

    senior coupleWith Path Protector® Final Expense, you can apply for a simple and effective whole life insurance policy that meets your personal needs. This final planning solution can help ensure your surviving loved ones aren’t financially burdened by your death.

    Policy Form 615, Modified Death Benefit Whole Life Insurance
    Policy Form 616, Level Death Benefit Whole Life Insurance

    Get a Quote | Back to Top
     
  6. Life Insurance Awareness

    Need more information on life insurance? Visit LIAwareness.com.

     

    Get a Quote | Back to Top
     
  7. Insure Your Love

    February marks the industry-wide Insure Your Love life insurance awareness campaign coordinated by the Life Happens.*

    Buying life insurance is a selfless gesture of love; you care so much that you've made plans to protect your loved ones even after you're gone.

    It's called life insurance, but it could be seen as love insurance.

    Watch this video to see how life insurance could help you if “life happens.”



    To learn more about “Insure Your Love,” visit  www.InsureYourLove.org.

    * Illinois Mutual is a member of Life Happens.

    Get a Quote | Back to Top
     


*Issue ages 0-18.

These policies have exclusions, limitations and terms under which the policies may be continued or discontinued. For costs and complete details of coverage, contact your agent or Illinois Mutual.

Pursuant to IRS Circular 230, statements made in this communication regarding taxation of insurance products are not intended to (and cannot) be used to avoid IRS penalties and are for general information purposes only. Illinois Mutual, its agents and representatives may not give legal or tax advice. An independent tax advisor should be consulted regarding individual circumstances.

Policy Form 614, Renewable Term To Age 95
Policy Form 615, Modified Death Benefit Whole Life Insurance
Policy Form 616, Level Death Benefit Whole Life Insurance
Policy Form 617, Whole Life Insurance To Age 121 Policy
Policy Form 618, Flexible Premium Life Insurance Policy
Policy Form 619, Whole Life Insurance Policy Non-Level Premium
Policy Form 620, Renewable Level Benefit Term Endowment Policy

Not available in AK, DC, HI, MT or NY. May not be available in other states.