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Illinois Mutual Products

Competitive Plans Designed for the Middle Market

Expanding your business and customer base by selling new products – sounds great, doesn’t it? Look no further than our life insurance, disability income insurance (DI) and worksite insurance plans, which are designed with the middle market in mind.

Life Insurance Products

When you talk to your clients about their life insurance needs, you’re helping them protect life's moments. Our life product series offers options that fit a wide variety of client needs.

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image of Illinois Mutual Agent Pierre Greene
Bernessa and Louie - Illinois Mutual life short stories

Our plans and optional riders can help you find the right amount of coverage to fit your clients’ budget:


Disability Income Insurance Products

Your clients rely on their ability to bring home a paycheck. Help these clients protect their income with DI from Illinois Mutual.

Insurance agent Doug Shellabarger
The M.U.G. Plan from Illinois Mutual animation video thumbnail
Illinois Mutual agent Cynthia Scott

Our DI products are designed for hard-working, middle income Americans. Our business expense insurance (BE) is a great fit for small business owners.

Connect your clients with these income protection plans:


Worksite Insurance Products

While many carriers are moving away from mom and pop shops, Illinois Mutual supports small businesses with 3-250+ employees. Our Worksite voluntary benefits complete your portfolio and don’t compete with the products you already offer.

thumbnail image of our we complete, dont compete video
video thumbnail image of Illinois Mutual policyowner, Stephen Peterson
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We can help you offer your business owner clients these extra voluntary benefits to their employees at no direct cost to the business:

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
More term life product info

Return of Premium Term Life Insurance

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
More ROP term life product info

Whole Life Insurance

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
More whole life product info

Simplified Issue Whole Life Insurance (SIWL)

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
More SIWL product info

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
More individual DI product info

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
More DI ROP rider info

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
More business expense product info

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
More worksite term life product info

Accident Insurance

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
More accident insurance product info

Critical Illness Insurance

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
More critical illness product info

Short-Term Disability Insurance – Individual

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
More individual STD product info

Short-Term Disability Insurance Group

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
More STD group product info


Products by State

This interactive map shows our products available nationally by state.

See what products are available in your state
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Find Out More

Why Illinois Mutual?

Discover the Benefits

Tools & Training

View Tools & Training

Contact Our Sales Team


(800) 437-7355

*The Return of Premium Rider returns 100% of premiums paid less any benefits received when the insured attains ages 65 to 67. Beginning with the fifth policy year, the policyowner is eligible to receive a portion of the premiums paid, less any benefits received. The policy ends after the return of premium is paid and may not be reinstated.

Policy Form LWL18NI, Whole Life Insurance Policy
Policy Form LSPWL18NI, Single Premium Whole Life Insurance Policy
Not available in AK, DC, HI, MT or NY. Coverage and availability may vary in other states.

Policy Form DI105, Disability Income Policy
Policy Form BE105, Business Expense Policy

Not available in AK, CA, DC, HI or NY. Coverage and availability may vary in other states.

Policy Form LT17, Term Life Insurance
Policy Form VSTD11, Group Non-occupational Short Term Disability Income Insurance
Policy Form WC14, Voluntary Critical Illness Policy
Policy Form WL13, Renewable Term Life Insurance to Age 95 Policy
Policy Form WSA07, Voluntary Accident Policy
Policy Form WSD07, Voluntary Short Term Disability Income Policy

Not available in AK, DC, HI, or NY. Coverage and availability may vary in other states.

These policies have exclusions, limitations and terms under which the policies may be continued or discontinued. For costs and complete details of the coverage, contact Illinois Mutual. If any discrepancies exist between this communication and the policy, the terms of the policy will control.