Pillar Financial Corporation offers a unique package we call the Family Care Package and includes the following:
  • Individual Health Care Plans
  • Family Life Insurance
  • Group Health Care
  • Family Health Care Plans
  • Individual Disability Coverage
  • Group Disability Insurance
  • Group Retirement Plans
Contact Pillar today to find out more about putting together a Family Care Package for your particular needs.

Review more information about life insurance programs below:

| ChildGUARD | Term Life Insurance |
| Universal Life Insurance | Whole Life Insurance |
Family Health Care |
| LifeFund |

Family Security Fund

The Illinois Mutual Family Security Fund provides a cash lump sum payment at the time of death of the Insured plus monthly payments over a 20-year period plus a final lump sum payment after the monthly payments end.

The initial death benefit is provided by a term life insurance policy underwritten by Illinois Mutual Life Insurance Company.

The premiums are guaranteed level for 20 years and thereafter increase annually to age 95. There are no cash values under the term plan. The Monthly Benefit Rider provides the Family Security Fund benefits and the Deferred Benefit Rider in addition to the Surrender Benefit Rider is optional at an additional premium.

Under current tax laws, the initial death benefit payment to the beneficiary is received income tax free. A portion of both the 20-year monthly benefit and the final death benefit will be taxed as ordinary income to the beneficiary in the year of receipt. Please consult your tax advisor.

At Pillar Financial, we understand you want your family to be financially prepared for the unexpected. With Illinois Mutual, you have peace of mind – innovative solutions giving you ...

with life.


You work hard so that your family can enjoy a comfortable lifestyle. Planning ahead to secure their future is important to you because they depend on you as a provider. With Illinois Mutual's Family Security Fund, you'll rest easy knowing your family is financially prepared for the unexpected.

This innovative life insurance plan gives you the ability to provide a death benefit, on-going monthly income for 20 years and a final lump sum benefit at the end of that 20 years.

Illinois Mutual understands how you live. We design flexible life insurance solutions that take care of your family – even when you're not there.

"With the Family Security Fund, I am to continue my family's current standard of living."


How the Family Security Fund works

Monthly Cash Payment for 20 Years

Final Lump Sum Cash Payment

$440,000 Total Benefit Amount Your
family will receive an immediate life insurance cash payment upon your death that can be used to pay off large debts. After your family has received their immediate cash payment, a monthly cash payment is paid without interruption, guaranteed for 20 years. A final lump sum will be paid at completion of the 20 year monthly benefit period.

The initial death benefit, monthly payment for 20 years, and final lump sum payment provides a total benefit amount.

Immediate Cash Payment

When you add the Surrender Benefit Rider, you will receive 100% of all premiums paid, after 20 years. A portion of the premiums paid will be returned after the 5th policy year upon lapse or surrender of the rider.

Get your money back

When you add the Surrender Benefit Rider, you will receive 100% of all premiums paid, after 20 years. A portion of the premiums paid will be returned after the 5th policy year upon lapse or surrender of the rider.

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The life of a child brings excitement and wonder into every family. Although you have a healthy child today, it's hard to predict what his or her future will bring. As a parent or grandparent, you have the opportunity to provide protection for your child or grandchild now and guarantee their future insurability, regardless of the road that lies ahead.

Illinois Mutual's ChildGUARD plan is an inexpensive and easy way to begin a lifetime of protection for each of your children or grandchildren from birth to age 18. A one-time premium payment of $250 provides one unit (maximum two units per child) of protection which provides the following insurance guarantees:

$5,000 from Age 0 to Age 13

$10,000 from Age 13 to Age 18

$15,000 from Age 18 to Age 23

This one-time payment will insure your child or grandchild through their 23rd birthday. After that, they can take advantage of ChildGUARD's future insurability guarantee. It allows your child or grandchild to continue with permanent life insurance protection up to $100,000 at age 23, regardless of future health considerations. This means that no matter what their health situation may be at age 23, they are guaranteed coverage.

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Term Life Insurance

Term insurance, as the name implies, provides protection for a particular term or length of time and therefore pays a benefit only if you die during the term. Term insurance is the lowest premium life insurance product available, since you are purchasing pure life insurance protection. There is no cash value or savings feature.

Illinois Mutual's Term life policy is specifically designed to meet the needs of today's basic life insurance buyer. It offers flexibility, choice and competitive prices. Each term life plan is guaranteed renewable to age 95 and convertible to a permanent policy through the 20th policy year, or Age 70, if earlier.

  • 10-Year Level Term - Initial premiums are guaranteed for the first 10 policy years. Issue Ages 18 to 75.
  • 15-Year Level Term - Initial premiums are guaranteed for the first 10 policy years.* Issue Ages 18 to 65.
  • 20-Year Level Term - Initial premiums are guaranteed for the first 10 policy years.** Issue Ages 18 to 55.
  • 30-Year Level Term - Initial premiums are guaranteed for the first 10 policy years.** Issue Ages 18 to 50.

*Premium guarantees of up to 15 years on the initial premium are also available at an additional cost.

**Premium guarantees of up to 20 years on the initial premium are also available at an additional cost.

Return of Premium Term* Life is ideal for individuals interested in basic Term protection but hesitant to invest in insurance they may not need. By adding the Surrender Benefit Rider to our 15, 20 and 30- year Term life plans, a death benefit is there if you need it. However, if the benefit is not needed, you will receive 100% of the premiums paid, including the rider premium at the end of the term period with a partial premium return beginning at the end of the fifth policy year upon lapse.

As you can see, this offers a win-win solution for you - you get protection if you need it and your money back if you don't.

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Universal Life Insurance

Universal Life is an innovative concept in the life insurance industry for your family and business needs. It combines the advantages of low cost term insurance with current market interest rates and the preferred tax treatment of whole life insurance. Universal Life is a type of permanent insurance, which provides lifelong protection. As long as you pay sufficient premiums, the death benefit will be paid.

As your life changes, a universal life policy can change with you. This policy was developed to give you the ultimate in both life insurance and financial flexibility. You can select the amount of coverage you need or the amount of premium you wish to spend. After the first year the policy is in force, you can adjust the policy death benefit and premium amounts. Universal life allows you, after your initial payment, to pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You also can reduce or increase the death benefit more easily than under a traditional whole life policy.

You also have the security of permanent protection with the tax-deferred build-up of your policy cash value, which is credited with a competitive current interest rate. You can choose a level death benefit or a death benefit that pays your beneficiary the death proceeds plus the policy cash value. You may add or withdraw cash from your cash value and still maintain your protection.

There are a variety of optional riders and benefits you can add to the policy. Our most commonly sold include the Waiver of Monthly Deduction and/or Waiver of Amount which will keep your policy in force during a period of disability, even though you're not making premium payments. There are also options to increase your face amount without evidence of insurability or options to provide coverage for your spouse and children in the same policy.

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Whole Life Insurance

Whole Life is a great solution for young adults just beginning an insurance program and families who need protection while saving for the future. Whole life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. As long as the policy remains in force, it provides protection for your "whole life."

Whole Life provides a guaranteed premium for issue ages of 0 to 75, and a face amount as low as $5,000. Most whole life policies provide coverage to age 100. If the insured lives to age 100, then the policy endows with a cash value equal to the face amount of the policy. The cash value can help them with future life events; to pay a mortgage ahead of schedule, finance a college education or supplement a retirement income. Plus, the death-benefit proceeds offers cash at the time when it's most needed. You can also choose to name as your beneficiary a church, college or other charitable organization

Illinois Mutual's whole life policies are participating, which means that dividends credited may be used in three ways: to reduce future premiums; to purchase additional insurance; or to increase policy values by accumulating at interest.

Included is an Accelerated Death Benefit* at no additional premium. This Rider provides access to policy funds for financial needs that arise from a terminal illness.

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Family Health Care

The Celtic ValueOne Health Plan

Provides economical major medical insurance coverage for individuals ages six months to 641/2 and their families. ValueOne works hard for your clients by controlling costs. Celtic partners with nationwide provider and pharmacy networks to offer quality services at reduce fees.

  • Comprehensive coverage for entrepreneurs, consultants or those without an employer group plan
  • 70/30 coinsurance with deductibles choices of $2,000, $3,500, $6,000 or $10,000
  • FREE Rx Discount Card
  • Preferred rates for non-tobacco users
  • Optional Rx Drug Card

Additional Benefits:

  • Simple online application
  • 12 month initial rate guarantee
  • Flexible billing options
  • Prompt claims payment, no claim forms
  • Toll-free customer service

Celtic Comprehensive Major Medical Plans:

  • Quality coverage for individuals and families ages six months to 64 ½ years
  • Choice of 70/30, 80/20 or 100% coinsurance
  • Deductible choices ranging from $250 to $10,000
  • $500 of supplemental accident coverage - per injury
  • FREE Rx Discount Card
  • Optional $25,000 in term life insurance (not available in all states)
  • Plus, Preferred rates for non-tobacco users

Three Plans To Choose From:

CeltiCare Select PPO (Doctor and Hospital Network)

You receive high quality care for the lowest premium by accessing participating providers within the respected PHCS Network. This new physician and hospital PPO plan offers savings on every visit to any network provider with a $10 copay.

CeltiCare "Any Doc" PPO (Hospital Network)

With the CeltiCare "Any Doc" PPO plan you don’t have to change doctors to realize the advantage of a low $25 office visit copay. You have the flexibility to choose your own physicians while saving money with preferred rates at prominent hospitals in the nationwide PHCS Network.

CeltiCare Managed Indemnity (No Network)

Offers you traditional, comprehensive major medical insurance with the flexibility to select the doctors and hospitals of your choice.

You can also add on to your plan by selecting the CeltiCare Plus Option with its preventive care coverage, Healthy Lifestyle Program, and Rx Drug card.

All of our plans will offer you high-quality health care. You will want to pick the plan that is best for you. To find best the plan that fits your needs, click on the Celtic Care button above.

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Why LifeFund?

You want to focus on building a long, healthy, successful ife. But sometimes you face uncontrollable events that interrupt your plans: heart attacks, strokes, cancer, accidents, even death of your spouse or child. While you can’t always prevent these tragedies, LifeFund helps control their effect on your life. More than life insurance, LifeFund is a product series that protects and provides during your most dramatic life events — critical or chronic illness, disability, retirement, and death.

Taking care of your family

If you should die, a death benefit is paid to your beneficiaries. There is also a benefit available should your spouse or child die prematurely.

LifeFund provides you with a pool of money that helps cover financial catastrophes brought on by critical or chronic illness or disability. Surviving these events could affect your ability to maintain your lifestyle and your quality of life.

You receive CASH benefits that you can use for anything from mortgages and medical bills, to groceries and car repairs. Based on diagnoses, benefits need not coordinate with other insurance plans. Better still, during the time of illness, Allianz waives your premium (subject to limitations).

Building a fulfilling retirement

LifeFund lets you look forward to a happy retirement, while protecting you if you become disabled during these years.

LifeFund offers a retirement income stream that you cannot outlive, with enhanced retirement values — up to triple the policy’s net cash value.

Post retirement disability

Your retirement income payments increase for qualified partial disability, and even more for total disability. Payments will be made as long as your disability persists.

Why Not Electronic Transfer?

LifeFund offers the Automatic Payment Plan through Electronic Fund Transfer so that you may build financial protection simply and conveniently. It’s easy. Premium payments are taken directly our of your bank account before you ever see it, so you won’t ever miss it. All you do is sign up for Automatic Payment Plan EFT and let LifeFund do the rest.

$500,000 Lifefund Example…

Male age 35…Preferred… Annual Cost…$1,340…$500,000 Bucket of Money with 1st premium

  • After 30 years…$167,700 was paid in premiums and a monthly income of $4,764 will be generated at age 65…In 35 months the initial investment will be recouped…Less…If disability occurs
  • Critical Illness = $250,000 (50% lump sum benefit) Chronic Illness = $50,000 Annually (10% annually…Payment is made over 12 months)
  • Disability = $60,000 Annually (1% paid monthly…12% annual)
  • Death of a Child = $10,000 Per Child (10% lump sum benefit…Or $10k max)
  • Death of a Spouse = $50,000 Spouse (25% lump sum benefit…Or $50k max)
  • Waiver of Premium Premiums paid by Allianz
  • Death of Insured = $500,000 (Lump Sum Death Benefit) OR = $619,740 (Bonus of $50k…If 10 year payout is taken)
  • Retirement Income = $681,502
  • Monthly Income = $4,764 (Life and 10)
  • If Partial disability = $6,193 (30% increase in monthly income… Tax Free)
  • If Total Disability = $7,622 (60% increase in monthly income… Tax Free)

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