Accelerated Death Benefit* (Form Series 200572A) Senior Whole Life - 2005. Royal Neighbors will advance up to 80% of the face amount available (minimum $6,000) to insured members who are diagnosed with a terminal condition. The rider can be added after the certificate is issued, requires no premium, has no cash value and terminates at death or termination of the certificate. Death benefits and cash and loan values will be reduced if accelerated benefits are paid. The payment of benefits under this rider may be taxable and may affect eligibility for public assistance programs. You are advised to consult with your attorney or a qualified tax professional for information specific to your situation.

Accelerated Living Benefit* (Form Series 1766): Royal Neighbors will advance up to 75% of the death benefit available to insured members who are diagnosed with a terminal condition or who are confined to a qualified nursing home, subject to a minimum advance in the amount of $5,000 and maximum advance of $250,000. This rider requires no premiums. Death benefits and cash and loan values will be reduced if accelerated benefits are paid. The payment of benefits under this rider may be taxable and may affect eligibility for public assistance programs. You are advised to consult with your attorney or a qualified tax professional for information specific to your situation.

Accidental Death (Form Series 8760, 8060, and 200574A) pays an additional benefit equal to the face amount if death is due to accidental bodily injury as limited and defined in the rider; the issue age varies depending on the plan of life insurance (whole life insurance vs. term life insurance vs. universal life insurance).

Children's Benefit (Form Series 9742) provides a $5,000 benefit upon the death of a child up to register age nearest to age 15. A parent may attach this rider for a child, stepchild, or legally adopted child (ages 0-14) to her or his Universal life insurance certificate; there is an annual charge of $12.50 for females and $15 for males.