Insurance Services- Illinois Mutual- Whole Life
 
Whole Life is a great solution for young adults just beginning an insurance program and families who need protection while saving for the future. Whole life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. As long as the policy remains in force, it provides protection for your "whole life."

Whole Life provides a guaranteed premium for issue ages of 0 to 75, and a face amount as low as $5,000. Most whole life policies provide coverage to age 100. If the insured lives to age 100, then the policy endows with a cash value equal to the face amount of the policy. The cash value can help them with future life events; to pay a mortgage ahead of schedule, finance a college education or supplement a retirement income. Plus, the death-benefit proceeds offers cash at the time when it's most needed. You can also choose to name as your beneficiary a church, college or other charitable organization

Illinois Mutual's whole life policies are participating, which means that dividends credited may be used in three ways: to reduce future premiums; to purchase additional insurance; or to increase policy values by accumulating at interest.

Included is an Accelerated Death Benefit* at no additional premium. This Rider provides access to policy funds for financial needs that arise from a terminal illness.

*Not available in all states.

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