Illinois Families Deserve More Than an Average Policy
The average Illinois life insurance policy pays out $171,000. Is that enough to cover your mortgage, your kids, and replace your income?
$10.3 Billion paid out to Illinois families every year. That's $28.1 million. Every single day.
Source: American Council of Life Insurers, 2025
THE ILLINOIS REALITY
5.7 Million Illinois Families Have Life Insurance.
Do They Have Enough?
There are 5.7 million individual life insurance policies in force across Illinois right now.
That sounds like a lot — until you look at the average.
The average Illinois policy pays $171,000 at death.
Ask yourself: Would $171,000 pay off your home? Replace your income for your family? Put your kids through school? Cover final expenses and still leave something behind?
For most Illinois families — especially in the Chicago metro where the cost of living is real — the answer is no.
That's not a failure of intention. It's a gap — and gaps are what we close.
WHY TERM LIFE MAKES SENSE
The Most Protection for the Least Cost — While You Need It Most
Term life insurance is straightforward. You choose a coverage amount and a term length. If something happens to you during that time, your family gets paid. No games, no market risk, no guessing.
Illinois Term Insurance makes the process simple — no medical exam required for most applicants, decisions in minutes, and coverage that actually matches what Illinois families need today.
ILLINOIS BY THE NUMBERS
Life Insurance Is Already Working for Illinois
$10.3 Billion paid in life insurance and annuity benefits to Illinois families annually
$28.1 Million paid out every single day in Illinois
5.7 Million individual policies in force in Illinois
$171,000 average death benefit — the gap most families don't see coming
457 life insurance companies licensed to do business in Illinois
140,100 jobs generated by the life insurance industry in Illinois
$284 Billion invested into Illinois's economy by life insurers
Source: American Council of Life Insurers, 2025
HOW IT WORKS
Three Steps to Protecting Your Illinois Family
Get your quote — answer a few questions, no medical exam required for most
Choose your coverage — pick the amount and term that fits your family's real needs
Get covered today — policies issued fast, protection starts immediately
Don't Let the Gap Become a Crisis
Every day in Illinois, $28.1 million is paid to families who planned ahead. The question isn't whether life insurance works — it's whether yours is enough.
We make it simple to find out — and easier to fix it.
Trusted by Thousands.
Illinois Term Insurance is one of America's most trusted life insurance platforms with thousands of five-star reviews from real customers in Illinois.
Excellent prices for insurance policies...especially considering NO EXAM!”
“It took 5 minutes and I was insured instantly for 1.2 million.”
“Loved how easy it was to compare and customize the policy coverage amount.
Loved the bonus complimentary estate planning aids.”
Illinois Term Insurance has brought me so much relief knowing my family will be taken care of.”
Fast, simple, and exactly what my family needed." "No exam, no hassle. Had coverage the same day." "Finally understood what I was buying. Couldn't be easier.
Illinois Term Insurance is an independent insurance agent website. Policies are issued by Ethos Life Insurance Company and its carrier partners listed at ethoslife.com/carriers. Products and features may not be available in all states. Coverage is subject to eligibility and underwriting approval. Licensed insurance agent, state of Illinois. NPN: 17897119. Illinois Department of Insurance: 217-782-4515 | insurance.illinois.gov
Email: [email protected]
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