Illinois Mutual Privacy Policy

Illinois Mutual Life Insurance Company (“we”, “us”, or “our”) values your privacy and recognizes the trust you have placed with us to handle your Personal Information. When we use the term “Personal Information” we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual. This Privacy Policy (“Policy”) explains how we collect, use and disclose Personal Information in connection with our website, www.IllinoisMutual.com, any Illinois Mutual domain or subdomain, and pages accessible after you log in to private areas such as the My Policy Portal, Employer Portal or Agent Portal (collectively “Platforms”). This Policy also applies to information collected in the process of providing service to you or your account. Further information on how we specifically collect and use your information to provide insurance services to you is contained in our Customer Privacy Notice.

Our Privacy Principles

• We do not sell customer Personal Information.

• We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.

• We contractually require any person or organization providing products or services on our behalf to protect customer Personal Information.

• We may share customer Personal Information and permit others to use that information if you give us your consent, it is necessary to complete a transaction you request, or it is otherwise permitted by law.

• We handle Personal Information about former and prospective customers the same as existing customers unless the law requires us to handle it differently.

Except as described in this Policy or our Customer Privacy Notice, or as disclosed to you at the time you provide your information, we will not provide your Personal Information to third parties without your specific consent. We may share non-Personal Information, such as aggregate data and usage information, with third parties.

We maintain comprehensive administrative, technical and physical safeguards designed to protect the Personal Information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use. We regularly review our privacy practices to maintain your trust and to comply with evolving legal requirements.

Voluntary Information Collection

We collect information when you voluntarily provide it to us, including your name, email, telephone number, home address, demographic information, banking or payment information, insurance policy details, claims information, and health information, when relevant for certain insurance products. We may also collect your account number or social security number, along with other contact or login credentials, when you register for or log in to our Platforms. We use this information to provide you services at your request, to provide access to our Platforms; to verify your identity; and to tailor advertisements that we may show to you. We also use information for additional purposes provided to you at the time of collection or with your consent.

Information Collected from Third Parties

With your consent, and in order to underwrite insurance applications and provide insurance products to you or in furtherance of your account, we may collect information from third parties such as consumer reporting agencies to obtain credit history reports, information from government and public sources, such as driving records or sanctions and watchlist data. We also may collect information such as claims history and underwriting information from insurance support organizations.

Automatic Information Collection

We automatically collect analytical and technical information from your computer, mobile phone, tablet or other device (collectively “Device”) when you visit our website or Platforms. This information may include browser type and language, device type, operating system, application version, the page served, the time, preceding page views, search queries, and your interactions with or use of our website or Platforms.

We also automatically collect your IP address or other unique identifier from your device. We may use your IP address to administer the website, help diagnose problems with our servers, analyze trends, detect fraud, determine location data such as your general geographic location based on your IP address, and track users' web page movements.

Cookies and Tracking Technologies

Our website uses cookies to collect information about your use of our Platforms. When we use the term “cookies” we generally mean data files that are placed on your Device when it is used to visit our website. These technologies may be placed by us or our third-party vendors for security purposes, to help us improve your experience, facilitate site navigation, understand how you use our Platforms, and serve you with more relevant advertising. These technologies gather website statistics through website analytic services and may be used to associate you with social networking sites.

Types of Cookies We Use

• Necessary cookies: These cookies are necessary for the website to function properly and cannot be switched off in our systems.

• Functional cookies: These cookies enable the website to provide certain functionality and personalization such as sharing the content of our website on social media platforms or collecting feedback.

• Analytic cookies: These cookies allow us to understand how visitors interact with our Platforms and provide information such as count visits and traffic sources so we can measure and improve the performance of our Platforms.

• Performance cookies: These cookies allow us to measure certain performance indexes of the website which helps us deliver a better user experience for website visitors.

• Advertising cookies: These cookies are used to provide you with customized advertisements and may be set through our site by third-party vendors to build a profile of your interests and show you relevant advertisements on other sites.

• Supplemental Technologies: These cookies support system integration.

Cookie Management

You can manage your cookie preferences, including accepting or rejecting cookies, through our cookie banner, which appears when you first visit our website. However, please note that disabling cookies may affect the functionality and user experience of our website and certain services may not function properly if you refuse to receive certain cookies.

Do Not Track Signals

You can adjust your personal browser settings to refuse cookies or alert you when cookies are being sent. These are called web browser 'do not track' signals. Our website contains functionality to respond to or honor global web browser 'do not track' signals if you have activated those on your personal browser settings. As with disabling cookies, please note that having a global web browser 'do not track' signal may affect the functionality and user experience of our Platforms and certain services may not function properly if you refuse to receive certain cookies.

Advertising Pixels and Tracking Technologies

We use advertising pixels, web beacons and other similar tracking technologies to collect information about your interactions with our Platforms and to deliver targeted advertisements to you on third-party websites and platforms. When we use the term “pixel” or “web beacons” we mean transparent graphic images, placed on web page or in an email, which indicate that a page or email has been viewed. These technologies may be placed by us or our third-party vendors for security purposes, to analyze usage trends and improve the functionality and performance of our Platforms, to understand how users interact with our Platforms, measure the effectiveness of our advertising campaigns, and deliver advertising that may be more relevant to you. These technologies gather website statistics through website analytic services and may be used to associate you with social networking sites. The pixels or web beacons we use are listed in the cookie banner on our website.

We use collected Personal Information to:

• Provide and improve our products or services. This may include the following:

  • Process your insurance applications, issue policies, and manage your account.

  • Investigate and resolve claims.

  • Develop new products and services and enhance the functionality of our existing offerings.

  • Provide customer service and respond to your inquiries and requests.

  • Perform underwriting and risk assessment activities.

  • Provide access to our Platforms.

  • Verify your identity.

• Tailor website content and advertisements. This may include the following:

  • Personalize your experience on our Platforms, such as by providing customized content and recommendations.

  • Send you marketing communications about our products and services, subject to your communication preferences.

  • Analyze the effectiveness of our advertising and marketing campaigns.

  • Conduct market research and analyze business trends to better understand our customers' needs.

  • Deliver targeted advertisements to you on third-party websites and platforms based on your interests and browsing behavior.

  • Make our website and Platforms more user-friendly and relevant.

  • Fulfill purposes provided at the time of collection and with your consent.

• For compliance and legal purposes. This may include the following:

  • Comply with applicable laws, regulations, and legal processes.

  • Protect our rights, privacy, safety, or property, and that of our customers or others.

  • Enforce our agreements, policies, and terms of service.

  • Prevent, detect, and investigate fraud, security breaches, and other potentially prohibited or illegal activities.

  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

For California residents, we use Personal Information for the business purposes detailed in our California-Specific Privacy Rights section, including providing requested services, engaging agents, marketing, and internal business purposes.

Specific Sharing Categories

We may share your Personal Information as disclosed to you at the time you provide your information, and for the following reasons:

• To fulfill transactions you requested or service your policy and for everyday business purposes.

• To handle your claim.

• To prevent fraud.

• To comply with requests from regulatory and law enforcement authorities.

• To participate in insurance support organizations.

Parties With Whom We Share

The persons or organizations with whom we may share your Personal Information may include, among others:

Service Providers

We share information with nonaffiliated companies performing standard business functions on our behalf, such as website hosting, data analysis, payment processing, fulfillment of an insurance transaction, information technology and related infrastructure, customer service, email delivery, auditing, marketing, reinsurers, businesses conducting actuarial or research studies, and other business partners involved in the provision of our insurance products and services. Service providers who have access to your Personal Information are contractually obligated to protect your information and are restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.

Business Partners

We may share information with insurance agents and brokers. These partners may use your information to provide services to you, comply with legal obligations, or for their own marketing purposes in accordance with their privacy policies.

Legal and Regulatory Authorities

We may disclose information to government agencies, claims investigators, law enforcement, and other third parties as required by applicable laws and regulations, or in response to legal process, such as a court order, subpoena, or search warrant.

Advertising and Analytics Partners

We may share information with third-party advertising and analytics providers to help us understand how users interact with our website and to deliver more relevant advertising. These partners may collect information about your online activities over time and across different websites and online services. They may use this information to provide you with interest-based advertising or other targeted content. You may opt out of this sharing within the cookie consent banner.

Business Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, or other similar event, your Personal Information may be transferred to our successor or assign, if permitted by and done in accordance with applicable law.

Under California privacy laws, California residents have specific rights applicable to information a California resident may provide to us or we may collect as disclosed in this Policy, our Privacy Notice, or as disclosed to you and with your consent, at the time the information is collected. These rights apply only to Personal Information of California residents. Even if you are a California resident, some of your Personal Information may be exempt from some of the rights conveyed by the California privacy laws but may be covered by other privacy laws. These rights only apply to personal information not collected pursuant to the Gramm Leach Bliley Act.

Right to Know

You have the right to request that we disclose the Personal Information we have collected, used, disclosed or sold about you. You may specifically request that we disclose:

• The categories of personal information we have collected about you.

• The categories of sources from which we collected your personal information.

• The business or commercial purposes for collecting, selling, or sharing your Personal Information.

• The categories of third parties with whom we share your Personal Information.

• The specific pieces of personal information we have collected about you.

Right to Request Deletion

You have the right to request that we delete Personal Information we have collected from you, subject to certain exceptions. We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:

• Complete the transaction for which we collected the Personal Information.

• Provide a good or service that you requested.

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity.

• Comply with a legal obligation.

• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Correct

You have the right to correct any inaccurate Personal Information that we maintain about you.

Right to Opt-Out of Sales or Sharing

Under California law, "sale" and "sharing" are broadly defined to include the disclosure of personal information to a third party for monetary or other valuable consideration, or for cross-context behavioral advertising purposes. While we do not disclose your Personal Information for monetary consideration, according to these definitions, we may "sell" or "share" the following categories of personal information:

• Identifiers

• Internet Activity

• Inferences

You have the right to opt-out of the sale or sharing of your personal information to third parties for their own purposes, including for cross-context behavioral advertising. To exercise this right, please click on the "Do Not Sell or Share My Personal Information" link on our website.

Right to Non-Discrimination

We will not discriminate against you because you have chosen to exercise any of your privacy rights.

Information We Collected in the Past Twelve (12) Months

Within the last twelve (12) months, we collected the following categories of Personal Information from the sources identified below for the business purposes indicated. When we disclose Personal Information to the third parties indicated below, we enter into a contract with that third party that describes our purpose and requires the third party to keep that Personal Information confidential and not use it for any purpose except to perform the contract.

We do not sell your Personal Information or the Personal Information of minors under 16 years of age.

How to Exercise Your California Specific Privacy Rights

You may opt-out of the sale or sharing of your personal information to third parties for their own purposes, including for cross-context behavioral advertising, by clicking on the "Do Not Sell or Share My Personal Information" link on our website. You may email us at [email protected] or call (877) 340-2407 to make a request related to your California privacy rights. You may use the same methods if you have any questions or concerns about this Policy, our Privacy Notice, or our information practices. Only you, or someone legally authorized to act on your behalf, may make a request related to your Personal Information. You may also make a request on behalf of your minor child. You may appoint an authorized agent to make a request for you. You will need to provide the authorized agent written permission to act on your behalf, provide us with the written permission, and then we will require you to verify your identity directly with us.

Making a request does not require you to create an account with us. To make a request, you must provide some personal information, such as your name, telephone number, home address and email address, so that we can authenticate your request. We may also request your insurance policy number or agent number to verify your identity. We will only use personal information provided in a request to verify the requestor's identity or authority to make the request. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

We maintain physical, electronic and procedural safeguards to protect your Personal Information and comply with federal and state laws. In addition, we review our policies and practices, monitor our computer networks, and test the strength of our security. We retain customer information for legal, auditing, regulatory, and business purposes. However, you should use your own judgment in connection with the disclosure of any Personal Information by e-mail or transmission over the internet. Transmission by e-mail or over the internet is never completely secure, and any information submitted may be intercepted, used, or disclosed by others. We cannot guarantee the security of information that you send to us via e-mail and are not responsible for the security of communications you send through e-mail or over the internet. You use our website and provide us with any information at your own risk. Despite our efforts, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the "Contact Us" section below.

Children Under the Age of 16

This website and our products are not directed to children under the age of sixteen (16). We do not knowingly collect, use or disclose Personal Information from anyone under 16 years of age on this website. If we become aware that we have unknowingly collected Personal Information from a child under the age of 16, we will make reasonable efforts to delete such information from our records. If you believe that we have collected Personal Information from an individual under 16, please contact us using the information provided in the “Contact Us” section below.

Links to Third Party Sites

Our website may contain links to other websites which we do not control or operate. We are not responsible for the protection of any information which you provide while visiting such sites. This Privacy Policy does not apply to other websites, and you should review the privacy statement of the website you are visiting.

Changes to Our Privacy Policy

We will post any changes to our Privacy Policy to this page. You should check our Privacy Policy regularly to keep aware of any changes and are responsible for doing so. The date the Privacy Policy was last reviewed or revised is identified at the bottom of the page.

What does Illinois Mutual Life Insurance Company do with your personal information?

Who We Are

Who is providing this notice?

Illinois Mutual Life Insurance Company, 300 SW Adams Street, Peoria, IL 61634

Effective (last updated): 03/2026

2963-Online (12/24)

If you have any questions about this Privacy Policy, please contact us at:

Illinois Mutual Life Insurance Company
300 S.W. Adams Street
Peoria, IL 61634
309-674-8255
[email protected]

Illinois Mutual Mobile App Terms and Conditions

Terms and Conditions

1. About these Terms and Conditions

1.1 Illinois Mutual Life Insurance Company is a premier provider of life insurance, worksite, and disability insurance products, headquartered in Peoria, IL, and incorporated in the state of Illinois with a registered address of 300 SW Adams St, Peoria, IL 61634.

1.2 In these Terms and Conditions:

• “Application Store” means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Application has been downloaded.

• “Account” means a unique account created for You to access Our Service or parts of Our Service.

• “Company” (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Illinois Mutual Life Insurance Company.

• “Country” refers to United States of America.

• “Service” refers to the Website and/or mobile app.

• “Terms and Conditions” (also referred as "Terms") mean these Terms and Conditions that form the entire Agreement between You and the Company regarding the use of the Service.

• “Website” refers to Illinois Mutual’s website, accessible from https://www.IllinoisMutual.com.

• “You” means the individual accessing or using the Service, or the Company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Acceptance and Acknowledgement of the Terms and Conditions

2.1 Your access to, and use of, the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions, which set forth the rights and obligations of all users of the Service. These Terms and Conditions apply to all visitors, users and others who access or use the Service. If you do not agree with these Terms, discontinue using this Service.

2.2 You represent that You are over the age of 18. The Company does not permit those under the age of 18 to use the Service.

2.3 Your access to, and use of, the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

3. What is "Illinois Mutual Leaders' Trip"?

3.1 Illinois Mutual Leaders’ Trip is Illinois Mutual’s online tool for viewing your personalized itinerary information. Signing of required waivers is also available through the use of Illinois Mutual Leaders’ Trip.

3.2 You will gain access to Your account through a pre-determined password set by Illinois Mutual.

4. User Accounts

4.1 Company will create You an account using information provided by You through the registration portal. You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service.

4.2 You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether You choose to change the password preset for you by the Company or not. You further agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.

5. Your Conduct

5.1 You agree not to:

• 5.1.1 attempt to reverse engineer or sell, export, license, modify, copy, distribute or transmit the Service to any third party, or jeopardize the correct functioning of the Service, or otherwise attempt to derive the source code of the software (including the tools, methods, processes, and infrastructure) that enables or underlies the Service;

• 5.1.2 attempt to gain access to secured portions of the Service to which You do not possess access rights;

• 5.1.3 conduct Yourself in a vulgar, offensive, harassing or objectionable manner while using the Service;

• 5.1.4 resell or export the software associated with the Service;

• 5.1.5 use the Service to generate unsolicited advertisements or spam;

• 5.1.6 use any automatic or manual process to search or harvest information from the Service, or to interfere in any way with the proper functioning of the Service;

• 5.1.7 engage in any activity or transmit any information that is illegal, or violates any law in the jurisdiction in which You are based, or from which You are using any Service;

• 5.1.8 interfere with any other person’s use and enjoyment of any of the Service;

• 5.1.9 remove, circumvent, disable, damage, or otherwise interfere with security-related features of any Service; or attempt to do any of the foregoing.

6. Company Rights

6.1 The Company may exercise the following rights with immediate effect by giving written notice to You notifying You of a breach to these Terms, such breach not having been remedied to the reasonable satisfaction of the Company:

6.2 The right to refuse or withdraw Your access to the Service if you breach any of these Terms; and

6.3 The right to report You to the police or other judicial body if the Company believes in its sole and absolute discretion that Your conduct is unlawful.

7. Intellectual Property

7.1 The Service and its original content, features and functionality are and will remain the exclusive property of the Company and its licensors. Company trademarks may not be used in connection with any product or service without prior written consent of the Company.

7.2 All other trademarks not owned by The Company that appear in connection with the Service are the property of their respective owners, who may or may not be affiliated with, connected to or sponsors of the Company.

8. Data Protection

8.1 You provide the Company with information when You register an account or through third party vendors. We also collect information both relating to You and to users of the Service and the Services in general. Any information that You submit or that We collect when You are using the Service is subject to the Company’s Privacy Policy, the terms of which are hereby incorporated into these Terms.

8.2 Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies or practices of any third-party websites or services. You are strongly advised by the Company to read the terms and conditions and privacy policies of any third-party websites or services that You visit.

9. General Terms

Limitation of Liability

Except as expressly provided in these Terms, neither Party shall be liable to the other Party for any indirect, incidental, or consequential damages (including without limitation, damages resulting from loss of use, loss of profits, interruption or loss of business, lost goodwill, lost revenue and lost opportunity) arising out of any of the Terms or Conditions of this Agreement or with respect to its performance hereunder. The foregoing limitation of liability and exclusion of damages applies even if a Party had or should have had knowledge, actual or constructive, of the possibility of such damages. The foregoing limitation of liability and exclusion of damages shall apply whether a claim is based on breach of contract, breach of warranty, tort (including negligence), product liability, strict liability or otherwise, and notwithstanding any failure of essential purpose of any limited remedy herein. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each Party's liability will be limited to the greatest extent permitted by law.

Indemnity

You agree to indemnify and hold the Company, including their respective directors, officers, employees, agents and merchant partners harmless from and against any third-party claim or cause of action, including reasonable attorneys’ fees and court costs, arising, directly or indirectly, out of Your use of the Services.

Governing Law and Jurisdiction

The laws of Illinois, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.

Termination

The Company may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms. Upon termination, Your right to use the Service will cease immediately. If you wish to terminate Your Account, You may simply discontinue using the Service.

Warranty

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected. Without limiting the foregoing, the Company makes no representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But, in such a case, the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Dispute Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute by contacting the Company.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a Party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Changes to Terms

The Company reserves the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised Terms. If You do not agree to the new Terms, in whole or in part, please stop using the Website and the Service.

Questions

If you have any questions about these Terms and Conditions, please contact Us at:
Illinois Mutual Life Insurance Company
300 SW Adams Street
Peoria, IL 61634
309-674-8255
[email protected]