Give your employees the option to purchase coverage based on their budget and personal needs. In addition, when employees pay the premiums themselves, they generally receive their benefits tax-free.1


  • Employees age 17 to 64
  • Spouses and children not eligible

Employer’s choice of coverage options:

  • 24-Hour
  • Off-the-Job Only

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Benefit Periods2:

  • Range from 3 months to 60 months
  • Employers may elect to offer their employees multiple options for benefit periods
  • These policies generally contain waiting periods before benefits are payable

Guaranteed Renewable to age 72

Benefit Amounts:

  • Employees can select a monthly benefit amount to meet their financial needs3
  • Monthly benefit amounts are available in $100 increments ranging from a minimum of $400 to a maximum of $5,000
  • In no case can Illinois Mutual monthly benefit coverage amount exceed 60% of gross salary