Illinois Mutual Life
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Illinois Mutual Life
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Accident Insurance
About Illinois Mutual’s Accident Insurance

Accident Insurance1 offers 24-hour or Off-the-Job coverage for accidents, injuries and accidental death for eligible employees and family members.

While most people carry medical insurance to pay the hospital, the injured party is still financially affected as they are faced with paying deductibles, co-payments and other out-of-pocket expenses. In addition, even if you carry disability insurance, many injuries are not serious enough to receive a disability benefit.

Accident Insurance covers you where medical and disability insurance coverage can't.

How does it work?

After an accident or injury, Accident Insurance pays a cash benefit directly to the injured party, so that you don't have to suffer financially when you are already suffering physically. There is no coordination of benefits for existing plans, which means the plan pays regardless of other coverage. Your premiums are paid through payroll deduction, and you retain full ownership of the policy. Even if you leave your current job, the coverage is portable, so you can take it with you when you leave.


         •Affordable premiums 
         •No medical exams 
         •Convenient payroll deduction 
         •Portable coverage 
         •Fast claims service 
         •Guaranteed renewable
Optional Benefits2

Off Job Accident Disability Rider
can provide additional coverage if an accident leaves you unable to earn a paycheck.

Sickness Hospital Confinement Rider
can provide additional coverage if an illness leaves you or anyone else covered by the rider confined to a hospital.

Wellness Benefit Rider
the benefits you receive will help pay for the cost of expensive medical and health screening tests that are sometimes necessary to prevent or detect health challenges.

Catastrophic Accident Rider
the benefits you receive will help ensure your family has the funds necessary to make adjustments in their lives following a catastrophic accident.

Who's Eligible? 

         •Employees age 18 to 69 who are actively at work for a minimum of 20 hours per week.
         •Spouses age 18 to 69 are eligible to apply if they are not disabled.
         •Dependent children age 14 days to 18 or to age 24 if a full-time student

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Admitted:
  • Carriers:
  • Carrier Ratings:
  • Commission:
  • Min Premium:


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Illinois Mutual Life has other insurance programs like Disability Insurance.