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Life Insurance
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Life insurance is a crucial step in planning for your and your family's future. It can fulfill promises and obligations to your family if you are no longer living.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor.

There are also benefits to certain types of life insurance policies during your lifetime.The cash-value growth of a permanent policy is tax-deferred. You do not pay taxes on the cash value increases while inside the policy.

The cash value earned and borrowed from a permanent life insurance policy can be used to help with emergency expenses, college costs or retirement income. Policy loans reduce cash values and death benefits and may be subject to other charges outlined in the policy.

Your need for life insurance is dependent on your personal and financial needs and goals. As your life changes, your life insurance coverage may need to be updated to adapt to your new needs. We offer a wide variety of coverage's to provide what is right for you, now and in the future.

Term Life Insurance is the economical option that provides protection for a specified period of time. Term Life provides a death benefit if death occurs during the time that the policy is in-force.These policies may be easily convertible to permanent coverage.

Permanent Life Insurance consists of a variety of coverage's from fully guaranteed premiums, values and death benefits to complete flexibility of premiums, interest rates, and death benefits options. Permanent Life builds cash value that you can access while you are living.

 

 
  Individual Health Insurance  
 

We also specialize in helping individuals/families who may not quality for a group health plan through an employer.

 

 
  Group Health Insurance  
 

When it comes to employee benefits, whether you operate a large business or own a small company, you need a business partner you can trust. At IPM, we specialize in helping business owners/operators provide quality healthcare for one of your most important assets, your employees. 

We don’t want to be the next agent who gives you a quote. We are the business partner you need to shop the market and help guide you through your health insurance decisions. We understand that choices you make today impact your bottom line this year as well as next year. 

As health insurance premiums continue to increase year after year, more and more alternatives are becoming available to help offset the increase. Our team is your team. Our job is to help you find the coverage your desire at the most competitive price.

 In addition to medical insurance, we can also help you with:

  • Dental insurance
  • Vision coverage
  • Disability
  • Life
  • and more

We are large enough to represent the premier health insurance carriers, yet small enough to provide the personalized service you should expect from your health insurance agent.

 
     
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We are a full service Insurance Agency offering Personal and Commercial Insurance to the entire Metro St. Louis area, including clientele in Belleville Illinois, Mascoutah Illinois, O'Fallon Illinois, Collinsville Illinois, Freeburg Illinois, Okawville Illiinois, Columbia Illinois, Millstadt Illinois, Valmeyer Illinois, Red Bud Illinois, Waterloo Illinois and Edwardsville.

  MASCOUTAH
219 E. Church Street
Mascoutah, IL 62258
O'Fallon
O’Fallon 121 West. State St.
O’Fallon, IL 62269
OKAWVILLE
508 North Front Street
Okawville, IL 62271
WATERLOO
119 E Mill Street
Waterloo, IL 62298