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Your income allows you to maintain your standard of living, pay bills, save for the future and enjoy life’s simple pleasures. In short, it provides the foundation for life as you know it. But what if you couldn’t work to earn your income?

Disability income insurance (DI) can provide a monthly benefit to help you pay your basic expenses should you become sick or hurt and Totally Disabled. Personal Paycheck Power®, our individual DI plan, helps safeguard your financial future in the event of Total Disability, while our business expense DI plan, Business Expense Power®, provides strong protection for today’s business owner.

Your income is one of your most valuable assets – help protect it with DI from Illinois Mutual.


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Understand DI with the M.U.G.® Plan

It's easy to understand DI with the M.U.G.® Plan.

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Understand DI with the M.U.G.® Plan

DI protects your income in the event you experience a Total Disability and are unable to work. While some monthly expenses can be reduced or eliminated during times of financial stress, generally M.U.G.® expenses – that is Mortgage, Utilities, Groceries – must be paid. A DI policy from Illinois Mutual, or M.U.G.® Plan, can help you stay in your home, keep the lights on and put food on the table if you become sick or injured and are unable to work. See our Individual DI product section of the website to learn more!

home Mortgage
water faucet and lightbulb Utilities
grocery bag Groceries



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PERKsSM for Business Owners

Understanding business overhead insurance with PERKsSM.

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PERKsSM for Business Owners

Business owners could use a few PERKsSM in their disability income insurance (DI) to cover business overhead expenses. Illinois Mutual offers the right combination of individual DI for personal expenses, combined with Business Expense (BE) protection to cover eligible business overhead expenses, too. The power of DI PERKsSM includes:

personal paycheck coverage, elective benefit period, reimbursable business expenses, key discounts with a DI+BE combo plan
small business with open sign

Policyowners receive a 5% discount with a combination DI+BE plan and may also qualify for a business class upgrade, which means even lower premiums that are tax deductible as a business expense! See our Business Expense product section of the website to learn more!




Find out how much Disability Income Insurance you may need with our DI Needs Calculator.