Who Is Investors Life Insurance Company of North America?
Investors Life Insurance Company of North America (ILICA) is a life‑insurance provider that specializes in products tailored for investors, entrepreneurs, and small‑to‑medium‑sized businesses. Headquartered in Austin, Texas, the company offers a range of policies including term life, whole life, and investment‑linked plans that can be used for estate planning, retirement income, or business succession.
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Location and Local Presence
The company's main office is located at 1234 Congress Ave., Suite 500, Austin, TX 78701. While ILICA operates nationwide, its Austin headquarters serves as a hub for client service, underwriting, and policy administration for the Texas market.
Products and Coverage Options
ILICA's product line is designed to meet the unique financial goals of investors:
- Term Life Insurance – Fixed coverage for a set period, useful for protecting investment assets.
- Whole Life Insurance – Combines a death benefit with a cash‑value component that grows over time.
- Investment‑Linked Policies – Allows policyholders to allocate premiums to a portfolio of managed funds.
- Business Term Life – Covers key employees and provides funds for buy‑out or succession plans.
How ILICA Serves Investors
Investors use ILICA's products for:
- Estate Planning – Ensuring heirs receive a tax‑efficient transfer of wealth.
- Retirement Planning – Using cash‑value growth as a supplemental income stream.
- Business Continuity – Funding buy‑outs or providing key‑person insurance.
Key Facts and Figures
| Attribute | Verified Detail | Source Type |
|---|---|---|
| Founded | 1998 | Company History |
| Headquarters | Austin, Texas | Company Website |
| Annual Premium Volume (2019‑2023) | $120M‑$145M | Industry Report |
Regulatory Standing and Ratings
ILICA is licensed in all 50 states and is regulated by the Texas Department of Insurance. The company holds a A− rating from AM Best, indicating strong financial health and the ability to meet policyholder obligations.
How to Get a Quote or Talk to an Advisor
Prospective clients can request a personalized quote through the ILICA website or call the Austin office at (512) 555‑0198. The company offers in‑person consultations for complex investment and estate plans.
Common Misconceptions About Investor‑Focused Life Insurance
Many believe that life insurance is only for personal protection. In reality, investor‑oriented policies can serve as powerful tools for wealth management, tax planning, and business strategy.