Royal Neighbors of America

SIWL - Final Expense

●   Simple Application
●   Point of Sale Interview
●   Immediate decision
●   Level, guaranteed premiums
●   Riders available (May require additional premium)

Form Series 211311. Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. A medical exam may be required. For specific details, please contact a Royal Neighbors agent.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured.

GDB - Final Expense

●   Simple Application
●   Point of Sale Interview
●   Immediate decision
●   Level, guaranteed premiums
●   30% of Face Amount in year 1, 70% in year 2, and 100% thereafter
●   Temporary Accidental Death Benefit for first two Certificate Years
●   Riders available (May require additional premium)

Form Series 211312. Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. A medical exam may be required.

Graded Death Benefit - 30% of the face amount if natural death occurs in the first year, 70% in the second year, and 100% thereafter. If death occurs by accident in the first two years, 100% of the face amount will be paid to the beneficiary. If death is by accident in years 1 or 2, full death benefit is paid. For specific details, please contact a Royal Neighbors agent.

Temporary Accidental Death Benefit (Death Benefit if the cause of death is accidental) during Certificate Years 1 and 2 the Ultimate Face Amount will be paid.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured.

GI - Final Expense (Guaranteed Issue)

●   Simple Application
●   Point of Sale Interview
●   Immediate decision
●   Level, guaranteed premiums
●   Limited graded benefit for death from natural causes in the first two Certificate Years
●   Temporary Accidental Death Benefit for first two Certificate Years
●   Riders available (May require additional premium)

Form Series 221309 - Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. For specific details, please contact a Royal Neighbors agent.

Limited Graded Benefit if the cause of death is by natural causes - 110% of earned Premiums Paid (Excluding rider premiums, if any) during Certificate Years 1 and 2. 100% of Ultimate Face Amount will be paid in Certificate Year 3 and thereafter.

Temporary Accidental Death Benefit (Death Benefit if the cause of death is accidental) during Certificate Years 1 and 2 the Ultimate Face Amount will be paid.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured.

Jet Whole Life

● True point-of-sale, paperless application process
● Accelerated Underwriting process
● Protection for life
● Adult and Youth certificates
● Guaranteed death benefit
● Guaranteed level premiums
● Riders available

Form Series 211811. Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. A medical exam may be required. For specific details, please contact a Royal Neighbors agent.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured.

Jet Term

● Affordable coverage for all lifestages
● Fixed premiums
● Option to convert to permanent coverage
● Three convenient coverage periods
● Riders available

Form Series 1611. Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. A medical exam may be required.

The premium is level for the period indicated in the quote. Thereafter, premiums increase annually to age 95. For specific details, please contact a Royal Neighbors agent.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured.

Jet SPWL

● Point of Sale interview
● Increase gift without probate delay
● Income tax-free wealth transfer
● One premium payment
● Guaranteed cash value and death benefit
● Access to cash value for emergencies
● Rider available

Form Series 241812. Not available in all states.

The quote generated by this calculator is not a life insurance contract, binding, or an agreement to extend an offer for life insurance coverage. It is based on the listed factors and the applicable underwriting criteria for the product quoted. The exact premium can only be determined after an underwriting review and may be different from the quoted premium. A medical exam may be required. Single premium whole life can be a modified endowment contract (MEC). Life-time benefits paid to the owner through a loan may be subject to taxation. For specific details, please contact a Royal Neighbors agent.

Life insurance is underwritten by Royal Neighbors of America. Not licensed in AL, AK, HI, LA, MA, NH, and NY. Coverages quoted are not FDIC insured. May lose value.

Riders

Available Riders Brochure

Accelerated Death Benefit Rider (Form series 221203) Not Available in all states.
Provides a one-time, lump sum payment of a portion of the death benefit to owner if insured is diagnosed as having a Qualified Terminal Condition or is permanently confined to a Qualified Nursing Home, pursuant to the terms of this rider. Minimum accelerated Benefit amount is $5,000; Maximum Accelerated Benefit amount is the lesser of 75% of the death benefit or $100,000.
NOTE: Receipt of acceleration of life insurance benefits may affect you, your spouse or your family's eligibility for public assistance programs with as medical assistance (Medicaid) Aid to Families with Dependent Children (AFDC), supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect you, your spouse and your family's eligibility for public assistance before requesting accelerated death benefits. Payment of an accelerated death benefit will result in a reduction of the death benefit of the Certificate.

ACCELERATED DEATH BENEFIT RIDERS ARE NOT HEALTH, DISABILITY OR LONG-TERM CARE INSURANCE NOR ARE THEY INTENDED TO REPLACE HEALTH DISABILITY OR LONG-TERM HEALTH INSURANCE. NOT AVAILABLE ON ALL PRODUCTS OR IN ALL STATES. FOR ADDITIONAL DETAILS CONTACT YOUR ROYAL NEIGHBORS LICENSED REPRESENTATIVE.

Accidental Death Rider (Form Series 2082) Not Available in all states.
Provides an additional death benefit up to 10 times the Certificate face amount, not to exceed $300,000 if the proposed insured's death is a result of an accident, independent of disease or bodily or mental illness or infirmity or any other cause within 180 days of the accidental bodily injury. Available for an additional premium. Subject to restrictions.

Accidental Death Benefit Rider (Form series 222140) Not Available in all states.
Provides the full rider face amount if the proposed insured's death is a result of an Accidental Bodily Injury, independent of disease or bodily or mental illness or infirmity or any other cause within 180 days of the accidental bodily injury. Subject to restrictions.

Cancer Waiver of Premium Rider (Form Series 2084) Not Available in all states.
Waives premiums on the Certificate to which it is attached for a period of two years if the proposed insured is diagnosed with Stage II or greater breast, cervical or ovarian cancer prior to the proposed insured's 60th birthday. This benefit can be used one time for each type of cancer. Available for an additional premium.

Charitable Giving Rider (Form series 221113) Not Available in all states.
Provides an additional Charitable Benefit Amount, to be paid at the time of the insured's death in a single lump sum amount of the lesser of $1,000 or 1% of the face amount of the certificate in effect at the time of the insured's death to a charitable organization as defined in the Eligible Beneficiary provision of the rider.

Child Term Rider (Form Series 112090) Not Available in all states.
Provides $5,000 level term insurance for all children of the proposed insured from age 15 days to 18 years. In addition, children who have not reached 25 years of age and are enrolled in an accredited educational institution are also covered. The rider can be converted to permanent insurance without evidence of insurability. Available for an additional premium.

Disability Waiver of Premium Rider (Form Series 2081) Not Available in all states.
Waives premiums on the Certificate to which it is attached in the event of total disability of the proposed insured. The rider contains a waiting period and is subject to underwriting guidelines and other restrictions. Available for an additional premium.

Flexible Premium Deferred Annuity Rider (Form Series 1451) Not Available in all states.
Provides an annuity contract that grows tax-deferred with a guaranteed minimum interest rate that is established on the issue date. In no case will the minimum guaranteed credited interest rate exceed 3.0%, and not be less than 1.0%, which can provide a monthly income to the proposed insured. In addition, it provides a death benefit to the beneficiary(ies) in an amount of its accumulated value. Available for an additional premium.

Grandchild Term Insurance Rider (Form series 221081) Not Available in all states.
Provides level term insurance for $5,000 to any natural grandchild, step grandchild, or legally adopted grandchild of the proposed insured from 90 days old through age 17. In addition, grandchildren who have not reached 25 years of age and are enrolled in an accredited educational institution are also covered. The rider also can be converted once for each eligible grandchild to permanent insurance without evidence of insurability. Available for an additional premium.

Guaranteed Insurability Rider (Form Series 1492) Not Available in all states.
Provides the proposed insured the option to purchase additional life insurance at specified future dates and life events without evidence of insurability. Maximum amount of additional insurance that can be purchased for all future dates and life events is $100,000. Available for an additional premium.

Living Benefit Riders (Form series 181591CR, 181591CH, and 181591T) Not Available in all states.
NOTE: Receipt of acceleration of life insurance benefits may affect you, your spouse or your family's eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect you, your spouse and your family's eligibility for public assistance before requesting accelerated death benefits. Payment of an accelerated death benefit will result in a reduction of the death benefit of the Certificate.

ACCELERATED DEATH BENEFIT RIDERS ARE NOT HEALTH, DISABILITY OR LONG-TERM CARE INSURANCE NOR ARE THE INTENDED TO REPLACE HEALTH, DISABILITY, OR LONG-TERM HEALTH INSURANCE. NOT AVAILABLE ON ALL PRODUCTS OR IN ALL STATES. FOR ADDITIONAL DETAILS CONTACT YOUR ROYAL NEIGHBORS LICENSED REPRESENTATIVE.

Important Disclosures for