I highly recommend Illinois Mutual! Their team is caring, knowledgeable, and provides the BEST customer service. We have multiple policies with them because their products are reasonably priced and perfect for protecting my family. If you're looking for reliable coverage and financial peace of mind, this is the company to trust! read more

I paid for disability insurance with this company for 30 years. There were a few times that I could have filed a claim but decided I wouldn't file unless I was totally and permanently disabled. In other words, a perfect customer (fool) for them. Now that I have attained a certain age, they decided to elect not to renew coverage, based on my age. Even though they took my money beyond that birthday. And now they make me wait for their snail processes to fill out a form to request my policy be cancelled and prorated / refunded back to that date. Will they do that? Nope. Not until they receive the form. Even though I already emailed them and called them multiple times. Nope. They need their OFFICIAL form before they can act. And any refund will be on the date they decide, after they receive the official form. No doubt they are bleeding money due to all those who "died suddenly" ... But being an insurance company, they will nickel and dime the fools who remain so they can keep their pensions. Also note that there is a class action suit against them for cancelling long-term life insurance policies because they aren't profitable. Gee, seems that since they have the money from YEARS of premiums, perhaps they owe the policyholders that life insurance payout that we all knew was coming one day. OH they didn't know? Funny that. Illinois Mutual actuaries and decision makers, how DO you sleep at night? read more

The phrase that comes to mind with Illinois Mutual, as is the unfortunate case with most disability insurance providers, is "guilty until proven innocent." I applied for disability insurance through them and got denied after they went through my medical records with a fine tooth comb, telling me I was denied because of health conditions I do not have. If they would read the medical reports and tests correctly, they would know that. Granted, those reports are very complex, but I would hope they employ a doctor or someone who knows about these things to read through my medical history. I was denied without being able to explain anything (I truly think if we had a conversation before my denial we could have come to a great agreement) and now if I want to be insured, I have to go through a lengthy appeals process that I'm sure will take months. The hassle and frustration is just not worth it. It seems like they're just in it for the money, and will gladly take money from anyone who doesn't go to the doctor or have any medical history whatsoever. But if your experience is anything like mine, if there's anything even neutral in your medical history, they will find it and blow it out of proportion. I get they need to be smart about risk but the way they went about it left a bad taste in my mouth. I would not recommend this company, but am willing to reconsider my opinion/update my review if they are willing to reconsider their decision. read more

Their policies are okay but if you need something, they take 2 weeks to Process your request and snail mail it. They do not keep you update via email or text. Its up to you to follow up on any request. I would not recommend because the only customer service is the service you give them by paying your premiums on time. read more