Throughout DIAM, Illinois Mutual will support you with:

• DIAM marketing assets and sales concepts to start conversations with DI prospects.
• Full access to our underwriting and sales teams—for applications, proposals and anything you need to write business.
• DI social media posts you can share from our channels to your own pages!

Contact your DI Sales team to learn how much more you could earn by adding DI to your portfolio during DIAM and beyond!

(800) 437-7355, Option 2 • [email protected]

Do your clients know there are insurance options that can pay them back?

As part of a strong financial foundation, both life insurance and disability income insurance (DI) help ensure that, if the unexpected happens, your clients’ loved ones will have funds to help cover expenses, maintain their standard of living and keep their plans for the future intact.

When it comes to life insurance and DI, your clients really should not own one without the other.

But even if they recognize this need, many of your clients may have delayed getting life and DI coverage because they have budget concerns or simply do not know what the right plan is to meet their needs.

Return of Premium (ROP) Term Life and DI insurance policies can be excellent options for those who do not want to pay premiums for years with nothing to show for it at the end of the coverage period if they do not have to use the policy.

Our coverage periods for both life and DI can provide protection to around retirement age, so your clients can find peace of mind in knowing their income contribution to the household is protected during the time it is needed most.

Help your clients protect more of life’s moments with ROP Term Life and DI.

Call us today for a quote, and let us complete an illustration for you!

(800) 437-7355, Option 2 • [email protected]

Policy Form LT17, Term Life Insurance; Policy Form DI105, Disability Income Policy; Policy Form BE105, Business Expense Policy; Policy Form 9266, Return of Premium Rider

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

For policy costs and details of coverage, limitations, exclusions and terms, contact Illinois Mutual.

Underwriting Communication and Processing

The Underwriting Department of Illinois Mutual prides itself on providing direct access to our underwriters throughout the process.

To assist Underwriting with reducing the overall application turnaround time, it is important to provide a fully completed application. Applications with missing or incomplete information result in longer underwriting time, as well as additional contact with your clients.

Upon receipt of an electronic application, the case information will be immediately available in the Agent Forum. If a paper application is submitted, the case should be available in the Agent Forum within 24 to 48 hours. Once all necessary underwriting requirements are received, underwriters will review those requirements within 48 to 72 hours and provide a final underwriting decision.

As part of the communication Underwriting provides when an application for insurance is submitted, your underwriter will contact you to advise of any outstanding underwriting requirements, provide updates as requirements are reviewed/requested and contact you with a final underwriting decision.

At the time of final decision, the underwriter will contact you with application approval or, if necessary, explain any modifications made to the application, such as an additional premium rating (subject to confidentiality guidelines).

As a reminder, the Agent Forum is an excellent resource for viewing application status, but our Underwriting Department is always available to assist.