Illini Insurance Agency: Services

Life Insurance

Our agents are fully trained to assist clients in determining the type, amount and term of life insurance coverage that best suits their specific needs. From the most inexpensive Term and Return of Premium Term to the largest Univeral Life, Whole Life or Annuity quote, our qualified associate agent/brokers are ready and able to help you get the most out of your life insurance buying experience.

American General - is a top rated company offering extremely competitive term and fixed UL rates. Fair and consistent underwriting.

AXA - the newest addition to our company portfolio has the only “Good Health Credit Program” unique to the industry. It’s the only table shave program applicable to Universal Life and Term. It’s a first, call today!

Assurity Life - has some of the strongest, non-medical life products in the industry. How does $50,000 to $350,000 for a 10, 15, 20 or 30 year guaranteed level term sound? Assurity also offers a variety of other simplified issue products available to age 70. Most recently, they've introduced a Final Expense plan issuable to age 80 and amazingly, asks only 4 health questions.

Fidelity Life - leads the industry with the quickest issued term products anywhere (24 hours), along with an online application and a graded, impaired risk product with limits of $500,000.

Genworth Life - is one of the few companies that will allow “guaranteed period” term policies for ages 0-80! A recent addition to their portfolio is the LifeTime Flex Plus II which is a no-lapse UL issuable to age 90 AND builds cash if insured chooses to do so. And, don’t overlook Genworth’s’ ROP term with no blood requirements up to $500,000. Genworth is a leader in the life insurance industry today and will be for many years to come.

Liberty Life/ RBC - is our go to carrier with ultra competitive smoker term rates. Also, ask about the incredible “10 minute term turn around”. Think you've heard it all? You haven't until you‘ve heard about RBC.

Life Investors/Transamerica - has the best non-medical UL and term products anywhere with a face amount as low as $10,000. Unparalleled service and incredible turn around time.

Lincoln Financial - is an elite carrier specializing in large face, permanent plans to help insureds protect their estates. Did we mention they also have a Table Shave” program for their permanent products bringing a tough to place table 3 to a very placeable standard offer? Also ask about the “Money Guard” product. Is it life insurance, or is it long term care? Ask us and then you decide.

Prudential Insurance Co. - is an A+ company offering not only great impaired risk underwriting, but extremely competitive term and UL rates, as well, for non-impaired cases. Prudential is the very best for insureds who are overweight, diabetic or diagnosed with cancer or cardiovascular disease. They also do an excellent job with foreign nationals and those U.S. citizens who travel to foreign countries. Insureds who use all forms of tobacco (except cigarettes) will get non smoker rates.

United Home Life - is our only virtually guaranteed issue carrier. Based on the health of insured, he/she can qualify for simplified issue or, if not, he/she will qualify for guaranteed issue (assuming he/she doesn't have AIDS, isn't in a Nursing Home, or doesn't have a terminal illness). Insureds can qualify for $100,000 of simplified coverage or $50,000 of guaranteed.

John Hancock - is one of the only A++ rated carriers offering the most liberal underwriting for older age clients. Also, you must learn more about their “quit smoking incentive” for cigarette smokers and their unique LTC benefit rider. And, talk about name recognition? Who hasn't heard of John Hancock? Everyone has, of course. Call today for the unbelievable Hancock details.

Indy Life/Aviva - has the most competitive, no lapse indexed UL available anywhere in the industry. They also have a table 3 to standard “table shave” program for all UL products.

Health Insurance

With so many options and carriers to choose from, the task of finding adequate health insurance coverage at a reasonable price can be overwhelming. Whether it's choosing a individual traditional or HSA plan, or utilizing an HRA plan for a group, our fully trained associate agent/brokers are ready and able to assist you with all your needs.

American Community
UniCare
BlueCross BlueShield of Illinois
UnitedHealthcare
United Security
World
Assurant