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Disability Income

From Illinois Mutual Insurance Company and Principal Life Insurance Company

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.

With Disability Income protection from Illinois Mutual you'll have the reassurance that you're prepared for the unexpected. We've spent over 85 years developing flexible, affordable, income protection so you'll know the ones you care about most are protected. That's real peace of mind.

Our Disability Income plan lets you

  • choose from a variety of elimination periods: 30, 60 or 90 days.
  • choose the benefit period* you need: 6 months, 1, 2, 5 and 10 years, or to age 65.
  • receive protection that's guaranteed renewable at age 65. Your coverage cannot be canceled as long as premiums are paid.
  • be covered in your own occupation for a specified period of time.
  • receive benefits in addition to Social Security or Worker's Compensation. And, you're 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.

* varied by occupational classification

You can choose an option that

  • returns premiums paid, less claims at age 65: Surrender Value Rider
  • guards against potential inflation: Cost of Living Rider
  • provides additional coverage as your income increases: Option to Purchase Rider
  • pays you extra benefits during the critical period: Additional First Year Benefit.

At Illinois Mutual we understand that you would protect your family from everything, if you could. But you can't and that can make the best of us uncomfortable. Fortunately, you have a choice - our Individual Disability Income Policy, designed to give you.....peace of mind.

 

* Benefits will not be paid for: normal pregnancy or childbirth; war, declared or not; military service, except for training periods of less than 60 days. During the first 2 Policy years (12 months in Virginia and North Carolina) the Policy may not cover a disability if it is the result of an injury sustained or sickness which existed prior to the Date of Issue on the Policy. However, if you fully disclose such a condition in your application we will pay benefits unless a Rider excludes such condition by name.

 
 

Representing
 
 

All products, coverages and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. Property and casualty insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, Missouri, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are provided by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of available coverages are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. The American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.