Solutions to ensure your loved ones have what they need
The check that keeps the household running if a breadwinner dies.
Most Illinois families buy life insurance so a mortgage, childcare, and groceries do not land on the surviving spouse overnight. We size the death benefit from income, debts, and how long dependents still need support — not a round multiple of salary.
Tap a point on the scene to learn more
The base life insurance policy is the printed form. An endorsement is a taped-on change — adding coverage, taking it away, or renaming who is insured. Optional coverages ride along with the policy. Separate policies sit beside it.
Form names and availability vary by carrier. This is a map of add-ons we commonly shop in Illinois — not a promise that every company offers every item.
Base policy
Life insurance policy
Hover an add-on to read it, then click to pin it here — a review list for your next conversation with an advisor.
Send this list to an advisor →We’ll open the contact form for this coverage so an advisor can help you decide which add-ons belong on the policy.
Current enrollment guidance and a hypothetical Illinois case study — plus the glossary for policy terms.
Why Illinois families revisit term, conversion, and beneficiaries after a diagnosis or new baby.
Open resource →Hypothetical Schaumburg household — what happens when group life is the only policy.
Open resource →Marketplace and individual medical plans for people without employer coverage.
Open resource →Parts A through D, Advantage, Medigap, and Annual Election Period.
Open resource →Plain-language definitions for beneficiaries, riders, underwriting, and more.
Open resource →You cannot put a dollar amount on your family, but you can ensure their future is protected. We cannot predict when the unexpected will happen, but we can help you prepare for it when it does.
We will walk through premium, any grace period for a late payment, and what happens if a policy would lapse so the contract matches the benefit you think you are buying.
Individual life insurance is arguably the biggest investment you can make in your loved ones' security. It is a complicated field, but do not let that put you off. We will be happy to talk you through the options.
First, you will need to determine the type of life insurance you want to buy, with the most common types being term life insurance, whole life insurance, and universal life insurance. Each has its own way of paying out, and the plan you choose can be best determined by your individual needs.
With term life insurance, you pay regular premiums for a set period and the policy only pays out if you die during this period.
With whole life insurance, there's no set period. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there's any loan outstanding when you die, the policy's payout can be significantly affected.
The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to pay out. So, it is important to seek expert advice before committing to life insurance.
Contact us and we will walk you through the options and help you to determine if term life insurance, whole life insurance, or universal life insurance are right for you.
Request an individual life quote to get started.
The same life insurance policy add-ons from the explorer above, listed out. Form names and availability vary by carrier.
Optional coverage
Access part of the death benefit while living if a qualifying illness applies.
Many policies include or offer an accelerated benefit for a terminal or chronic illness named in the form. Using it reduces what beneficiaries receive. It is not a long-term care policy. We read the trigger language with Illinois families before anyone counts on it for care bills.
Endorsement
An extra amount if death is caused by a covered accident.
Accidental death (AD&D on some forms) pays an additional benefit for a qualifying accident. Illness does not trigger it. Illinois commute and highway deaths still need the base death benefit sized correctly — this rider is a supplement, not the plan.
Endorsement
Modest coverage on listed children, often convertible later.
A child rider can put a small death benefit on each child named on the application. It is not income replacement for a parent. Conversion options, if any, are in the rider. We still quote a separate child policy when the family wants a larger permanent layer.
Learn more →Endorsement
Some permanent forms let you accelerate benefits for qualifying long-term care needs.
Chronic-illness or long-term-care riders are not identical to a standalone long-term care policy. Triggers, elimination periods, and residual death benefits differ. We compare the rider against a separate LTC conversation instead of treating them as the same product.
Learn more →Separate policy
Replaces paycheck if you cannot work — a different policy from life insurance.
Life insurance pays if you die. Disability income pays if you live and cannot work. A waiver rider on life does not replace a disability check. Illinois professionals and owners often need both. We quote disability as its own contract.
Learn more →Endorsement
Buy more coverage later at option dates without proving new health.
A guaranteed-insurability rider lets you increase the death benefit at scheduled ages or events without a new medical exam. Amounts and dates are limited. It helps younger Illinois clients who expect income to rise after a first policy is in force.
Separate policy
Pays for qualifying custodial or facility care — not a life death benefit.
A life rider may help with some chronic-illness needs. A long-term care policy is built for care costs. We do not treat an accelerated death benefit as a full LTC plan. Illinois families who want dedicated care coverage get a separate quote.
Learn more →Optional coverage
A contractual window to move term coverage to permanent without new exams.
Conversion is how term can become permanent if health changes. Deadlines and eligible permanent products are in the contract. Missing the window is expensive. We calendar conversion dates when we place Illinois term cases.
Endorsement
The policy can stay in force if you meet the disability definition on the form.
A waiver-of-premium rider can pay life premiums while you are disabled under the contract’s rules. Waiting periods and definitions vary. It is not disability income. We add it when a lapse during a long recovery would leave the household uninsured.
Speak with a local advisor who understands your coverage needs.
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