We’re driven by our desire to genuinely meet our policyowners where they are, and to serve them with life, disability and worksite insurance solutions which can help them realize their financial goals. This year’s Annual Report features some inspiring stories from fellow agents and policyowners, who work hard to protect their families’ futures.

Share these stories with your clients to show how you’ve played a pivotal role in helping more people achieve and safeguard their financial security!

Hear these personal stories!
www.IllinoisMutual.com/AnnualReport

DIAM is Here!

May is Disability Insurance Awareness Month (DIAM*)! It’s the perfect time to start income protection conversations with your clients.

Throughout DIAM, we 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!

Use DIAM as a prospecting tool with new and current clients to open up the conversation about these important income protection solutions!

*DIAM is an industrywide event coordinated by Life Happens. Illinois Mutual is a member of Life Happens.

Policy Form DI105, Disability Income Policy; Policy Form BE105, Business Expense Policy

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

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

Be more social this DIAM!

Your clients are likely on social media every day—share content regularly to provide your followers with a consistent message, and watch your sales activity grow!

We make it simple for you to engage clients during Disability Insurance Awareness Month, and all year long, with shareable graphics and messaging.

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

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

**Specifications apply. Contact your DI sales team to determine eligibility.

Term + Whole Life = The Blended Plan!

A simple approach to covering an entire family with life insurance.

Many of your clients with younger families may not actively seek life insurance coverage even if they recognize the need for it. They may have budgetary concerns, or they may believe there are no policy options that can cover their whole family.

Look at this simple approach that can help you offer a plan that provides the right combination of coverage, cost and value to suit their needs:

Mark, 32, and Amber, 30, have two young children, ages 7 and 5. One of Mark’s co-workers recently had a major medical event that prompted Mark to take action to make sure he was doing all he could to protect his family.

Solution:

Using the Continuous Pay Series 100 plan, Mark obtained $50,000 of whole life insurance that provides coverage to age 121, as long as premiums are paid. Using the Term Insurance Rider, he added $200,000 of death benefit protection for 20 years, and Amber was covered under a 20-year Other Insured Term Rider with a $250,000 death benefit. Both children were covered under a Child Term Insurance Rider with a $20,000 death benefit each.

For a monthly premium of $92*, Mark’s agent has helped him blend our term and whole life plans to cover his whole family with up to $540,000 in life insurance protection!

Additionally, as their protection needs change, they can consider converting the term riders to permanent whole life policies by using the conversion options!

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

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

*For illustration purposes only. Subject to underwriting. Example assumes proposed insured’s rating classification is Preferred Non-Tobacco and monthly EFT is the selected premium mode.

Policy Form LWL18, Whole Life Insurance Policy; Policy Form 5787, Other Insured Term Rider; Policy Form 5789, Child Term Insurance Rider; Policy Form 5791, Term Life Insurance Rider

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

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

Electronic vs. Paper Applications

When submitting applications for insurance to Illinois Mutual, agents have two options:

1. Electronic Applications (eApps)
2. Paper Applications (Email, Fax, U.S. Postal Delivery)

While paper applications have been the traditional, and sometimes preferred, method of submitting applications, there are challenges with paper applications which can be overcome through the use of an electronic application.

In addition to the process starting much sooner, completing an electronic application (eApp) has many benefits including:

• Additional required forms are presented to you as the application is being completed, so you can’t forget to bring paper copies of each required form.
• Follow-up questions are prompted in certain sections, which could avoid the need for additional requirements, such as medical records, labs or exams.
• All required fields in the application are complete, resulting in less back-and-forth with you or your client to clarify missing information.
• Application information and automated agent notification is immediately available in our Agent Portal, including pending underwriting requirements.
• Electronic signature is available, avoiding the need to print and physically sign the application and required forms.

Contact the Illinois Mutual Underwriting team with any questions about submitting electronic applications!

(800) 437-7355, ext. 810

Contact your DI sales team to learn how you can use this sales strategy with new and current clients!

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