Smart Insurance: Protect Your Paycheck—and Potentially Get Paid Back!
You protect your home, your car, your phone—but what about your paycheck?
Disability income insurance (DI) is designed to replace a portion of your income if you experience a disabling illness or injury and cannot work. It helps keep your financial life stable when you may need it most. But when you pair DI coverage with a Return of Premium (ROP) rider, you’re not just protecting your income—you’re making a smart financial move.
Here’s how it works:
If you ever need to use your DI coverage, you're protected. But if you don’t use the benefit by the end of the policy period? You get your eligible premiums back, minus any benefits you may have claimed*. No gimmicks—it’s like a reward for planning ahead.
DI + ROP = best of both worlds:
- Income protection if you need it.
- Money back if you don't.
At Illinois Mutual, we believe insurance should be more than “just in case.” It should be smart, flexible and built to give back.
That’s smart insurance: Real protection. Possible Money back.
Protect Your Income
