Illinois Mutual Products

Term Life Insurance

Term life product highlights:

• Death benefits start at $50,000
• Initial terms ranging from 10 to 30 years, or coverage To Age 65 or To Age 70
• Available for those between the ages of 18 and 75, but term length availability will vary by age

ROP term life product highlights:

• Available death benefits of $50,000 to $500,000
• Initial terms of 20 years, 30 years or To Age 65
• Issue ages are 18 to 60; however, term length availability will vary by age and tobacco use
• If the policy is in force when the initial term period ends and its terms have been met, 100% of the returnable premium will be paid back to your client as an endowment benefit. The endowment benefit will be reduced by any outstanding loans or liens, including paid Accelerated Death Benefits, and accrued interest

Whole life product highlights:

• Five different plan options and riders to suit your clients’ life stage, financial situation and planning objectives
• Death benefit guaranteed for life of policy
• Premiums guaranteed for life of policy
• Guaranteed cash value growth
• Flexibility with policy loans through cash value accumulation

SIWL product highlights:

• Easier to qualify for than many other types of life insurance
• Premiums are guaranteed to never increase
• Policy will remain in force as long as premiums are paid

Individual DI

DI product highlights:

• Maximum issue of $10,000/month for most occupation classes
• Guaranteed renewable to age 67
• A wide range of occupations written

DI Return of Premium Rider

DI Return of Premium rider highlights:

• Offers income protection if needed, cash back if not.*
• Can be added to DI and BE policies at an additional cost.
• As of 6/30/21, Illinois Mutual has returned over $164 million to policyowners with the ROP Rider since 1972

Business Expense Insurance

BE product highlights:

• Benefit periods of 12, 18 and 24 months
• Maximum issue of $10,000/month for most occupation classes
• Guaranteed renewable to age 67
• Our Return of Premium (ROP) Rider can be added at an additional cost

Worksite Term Life Insurance

Worksite term life product highlights:

• Coverage up to $150,000
• To Age 65, 10-year or 20-year term options
• Includes Terminal Illness Accidental Death Benefit Rider with the base policy
• Coverage is portable, so employees can continue coverage if they change jobs

Accident insurance product highlights:

• 24-hour option provides coverage for accidents that occur on-the-job and off-the job, 24 hours a day and 7 days a week
• Offers coverage option for accidents that occur off-the-job only
• A variety of plan types for a range of individual and family structures
• Coverage is portable, so employees can continue coverage if they change jobs

Critical illness insurance product highlights:

• Available to employees and spouses ages 18 to 69, and dependent children ages 0 to 19
• Coverage is portable, so employees can continue coverage if they change jobs
• Multiple benefit amounts available:
  • Employee: $5,000 to $50,000
  • Spouse: 50% of employee benefit
  • Dependent child: 25% of employee amount

Short-term individual disability product highlights:

• Replaces up to 60% of an employee’s income if an illness or injury prevents them from working for a paycheck
• For 1099 contract workers, we replace up to 40% of the individual’s gross salary
• The monthly benefit can be used to pay expenses of any kind
• Coverage is portable, so employees can continue coverage if they change jobs

Group short-term disability product highlights:

• Replaces a portion of an employee’s income if an income-interrupting illness or injury prevents them from working
• Provides benefits for 13 or 26 weeks (depending on employer’s Plan choice)
• Includes $10,000 Accidental Death and Dismemberment benefit for each insured employee
• Benefit levels ranging from $150 to $600 per week