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Disability Income Protection

Do you own just half of a health insurance plan?

You do if you have health insurance, without disability income insurance. A health insurance plan makes sure doctors, nurses, hospitals and other medical expenses get paid. But who will pay you? With Disability Income Protection from Illinois Mutual, you will receive total or partial disability benefits when you are sick or hurt and unable to work. That's the other "half" to your health insurance plan.

Illinois Mutual disability income products are designed to protect individuals, families and companies from financial loss due to an accident or illness.

By pioneering ways to make income protection easy to understand, simple to purchase and available to a broad group of people, they're making sure more hard-working Americans get the protection they need.

Illinois Mutual's commitment to providing working individuals with quality products and service sets Illinois Mutual apart from the competition.

The following links are designed to give you a quick estimate of what protection may cost. Final rates would be based on your individual class and health status as determined by the companies underwriting standards. For a better understanding of the rating factors being used - click on the "help" button on those screens.

Individual Disability Protection Plans

Business overhead protection for business owners

Call or write for more information about the disability income insurance plans we offer!

Greg Osby, CLU, ChFC


Underwritten by Illinois Mutual Life Insurance Company,
300 SW Adams St., Peoria, IL 61634.













American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.