Illinois Mutual has returned over $226 million to policyowners with return of premium since 1972!
As of 12/31/24
We are proud to be the ONLY insurance carrier to offer an ROP rider with our BE product.*
*As of February 2025
Here's how the Return of Premium Rider can work:
Without ROP
Total Monthly Premium
(for $1,500/month in Monthly Benefits)
$43.02
Total Return of Premium at Age 67
(assuming no claim(s) paid)
$16,520.32
Mike1, a 35-year-old non-tobacco user, is interested in a business expense policy, but is reluctant to pay for something he may not use. He’s looking for a 30-day elimination period with a 24-month benefit period.
Paying an additional $12.29 per month for the Return of Premium Rider gives Mike the opportunity to receive a Return of Premium of $16,520.32 at age 67.
If Mike received benefits under his policy over the years, the Return of Premium amount would be less.
Plus, premiums are generally tax deductible as a business expense, too!2