Special Risk DI

Anxiety. Asthma. Diabetes. Epilepsy. Heart Attack. If you have successfully managed such health conditions and continue to work, you already have enough battles in life. Worrying about protecting your ability to earn a living shouldn't be one of them. You work hard to give your family what they need. That's why your income is one of your most valuable assets. If a total disability took away your ability to work, your income could stop but the bills never would. Disability insurance could be the means to financial survival.

Special Risk Income Protection SR21 disability insurance policy, is guaranteed renewable to age 65, which means that as long as premiums are paid, the policy cannot be canceled. This product was designed to provide affordable income protection for individuals like yourself who are challenged to find quality, comprehensive disability coverage due to health concerns and do not qualify for traditional DI products.

SR21 allows you to:

• choose a 30, 60, 90 or 180 day elimination period, or waiting period - that is the amount of time between the beginning of the disability and the date you qualify to begin receiving benefits.
• choose a two or five year benefit period - that is the maximum length of time you will receive payment from Illinois Mutual for each period of disability.
• be covered in your own occupation for two years. The ability to perform specific activities related to your occupation is an important consideration.
• be covered 24 hours a day, on or off the job.
• receive tax-free benefits. When the policy premiums are paid by you, the benefits you receive are income tax free.
• waive future premiums after 90 days of total disability with our built-in Waiver of Premium.

You can choose an option that:

• returns premiums you paid, less any claims at age 65: Surrender Value Rider.
• pays you for up to six months if you become partially disabled: Partial Disability Benefit.
• receive an additional total disability benefit: Integrated Monthly Benefit Rider.

Some features and options availability may vary by state and occupation class.

Return of Premium DI

It seems that today, we insure everything - our house, our car, our health, and with Illinois Mutual - our income, our life and our retirement. Wouldn't it be great if there was insurance that gave you your money back if you never needed to use it? Believe it or not, such insurance does exist! Illinois Mutual proudly offers both disability and life insurance products that can return all your premiums back to you at age 65.

There are a number of optional features you can add to your disability insurance policy. But our most commonly sold option is the Surrender Value Rider, which provides guaranteed money back by returning 100% your premiums paid, less benefits received, at age 65. In other words, you get important income protection if you need it, or your money back if not. It's a win-win situation.

To date, Illinois Mutual has returned more than $45 million in premiums to policy owners who have included the Surrender Value Rider on their DI policy. Once you reach age 65 and are entitled to your return, there are a variety of settlement options you can choose from. Over the years, some policy owners have used their refund to start an Illinois Mutual annuity, pay long-term care premiums, begin a monthly or annual income or otherwise invest it.

So if you're looking for a way to protect your income, but with the option to get 100% of your money back, ask your agent to add the Surrender Value Rider to your individual DI policy and make it Return of Premium DI!

April 2009

Your Regional DI Sales Manager David Plumb Regional DI Sales Manager (800) 437-7355, ext. 584 Pam Miller Regional DI Sales Coordinator DISales@IllinoisMutual.com (800) 437-7355, ext. 786

An accident or sickness can strike a small business owner at any time, leaving the business to suffer. How will your clients pay their monthly business expenses such as rent, utilities and employee salaries?

Check out the "DI Monthly Sales Idea" on the Agent Forum to get the details, and click on the following links for additional Business Expense sales tools!

• Understanding Business Expense
  Protection Brochure (Form 9172)
• Special Risk Business Expense
  Protection Brochure (Form 9228)

Disability Insurance Awareness Month (DIAM) is just around the corner! Get ahead of schedule this year and start planning for the month-long campaign. It's the perfect time to ask your clients about their income protection needs.

Don't know where to start? Let Illinois Mutual give you a boost!

• Call us at (800) 437-7355 and talk to one of our experienced DI sales specialists to find out how to prepare for DIAM.
• Visit our DIAM website at www.DIAwareness.com to get more ideas for your campaign. Even better, walk your clients through the online assessment to help them visualize the importance of disability insurance.

Our inventory of Illinois Mutual logo merchandise is now available for purchase through our new online store at www.illinoismutualmerchandise.com!

Here you will find a variety of affordable promotional accessories and apparel, including golf umbrellas, T-shirts, sweatshirts, pens, office items and much more. Remember, everyone LOVES freebies! Purchase some of the great items you'll find here and use them to thank your clients for their business!