Flexible Premium Deferred Annuity

Royal Neighbors SteadyChoice* offers guaranteed retirement savings with the flexibility to change your monthly contributions to the annuity (unless you make a withdrawal). This allows savings to grow tax-deferred.

Benefits include:

  • Payment flexibility with guaranteed minimum interest of 3%
  • Long-term savings for retirement
  • No sales fees 
  • $100/month (if on Pre-Authorized Collection plan) or $1,200 annually
  • Maximum Premium: $25,000 annually
  • Option of ROTH, IRA, SEP IRA, or Non-Qualified 

  

Low Payment Options Make Saving Affordable

Life changes quickly. You need a savings option that lets you control the contributions. As long as you meet the annual minimum account value, you can change your monthly contribution as your situation changes.  

Stability in Uncertain Times

Royal Neighbors guarantees the interest rate for the SteadyChoice annuity will not drop below 3%. Eliminate the uncertainty of interest rates with Royal Neighbors of America’s Flexible Premium Deferred Annuity product. Savings – without the worry.  

Plus, as a member of Royal Neighbors of America, you are eligible to apply for additional member benefits at no additional cost.1

 

Certificates are not available in all states
Contractual provisions and limitations may vary by state

*Royal Neighbors SteadyChoice - Form Series 200821

Annuities are products of the insurance industry and are not FDIC insured or guaranteed by any bank.

Withdrawal charges may apply to partial and full surrenders during the first 10 certificate years.

Withdrawals may be subject to income tax. If withdrawals are made before the owner reaches the age 59 1/2, the taxable portion may be subject to an additional 10% IRS penalty. Please consult your tax professional for information applicable to your personal situation.

Under current law, all interest earned accumulates on a tax-deferred basis.

1Member benefits are provided at the discretion of Royal Neighbors of America. They are not a part of any insurance or annuity contract and are not guaranteed.