July 1, 2025
Return of Premium (ROP) Life and DI
We’ve all been there—investing in something “just in case,” only to realize it wasn’t needed.
The value? Still real. But the money? Not coming back.
At Illinois Mutual, we understand that insurance should offer not only protection, but also potential value, even if a claim is never made.
With our Return of Premium (ROP) options on new life and disability income insurance (DI) policies, you could get valuable coverage and the opportunity to have your premiums* returned as stated in the policy!
Please note: ROP is available only on new policies, and cannot be added to existing coverage.
ROP can be an especially good fit for Millennial and Gen Zers. If you know someone in that age range, make sure they know about ROP!
Our My Policy portal can help you find your agent’s contact information & view your policy details! Visit now: Policyowner.IllinoisMutual.com
Still have questions? Contact us by calling (800) 437-7355, or emailing [email protected].
*Returnable premium amounts differ between life and disability income insurance policies. Please talk to your agent for details.
Policy Form DI105, Disability Income Policy; Policy Form 9266, Return of Premium Rider; Policy Form LT17, Term Life Insurance; Policy Form LRPT17, Endowment Benefit Endorsement; Policy Form LRPT17SA, Endowment Benefit Endorsement
DI+ROP Rider not available in AK, CA, CT, DC, HI, MA, NM, NY or VT. Coverage and availability may vary in other states.
ROP Term Life Policy not available in AK, DC, HI, MT or NY. Coverage and availability may vary in other states.
For costs and details of coverage, limitations, exclusions and terms, contact your agent or Illinois Mutual. If any discrepancies exist between this communication and the policy, the terms of the policy will prevail. Illinois Mutual, its agents and representatives may not give legal or tax advice.