Term Life Insurance

Royal Advantage Term*

Royal Advantage Term life insurance is an affordable coverage choice to protect valuable assets like your home and family. Royal Advantage Term, with guaranteed premiums for a specified period of time, can be right for you if:

  • You want to secure your home by choosing a term period that will protect your mortgage payments if you die prematurely
  • You are just getting started and money is tight 
  • You want income tax-free death benefits to help you leave a legacy to your family1

Your Choice of Coverage
You choose the value of your coverage, starting at $100,000. And you can convert to permanent insurance coverage in the future without showing any additional evidence of insurability.

Consistent Premiums
Your premiums will NEVER increase during the level premium period you select. Policies are available for terms of 10, 20 and 30 years.

Annual renewable rates to age 95 after level premium period.  

To help customize your certificate even more, we offer rider options to best suit your needs. Additional premiums may apply depending on the riders you choose.

Accelerated Living Benefit 2
If permanently confined to a nursing home or diagnosed with a terminal condition, a portion of the death benefit can be accessed and used to help fund your care or other needs. Additional fees and interest may apply. (Form Series 1766)

Disability Waiver of Premium 3
This rider waives premiums in the event of total disability of the insured. Waiver is subject to a waiting period. (Form Series 8062)

Plus, as a member of Royal Neighbors of America, you are eligible to apply for additional member benefits at no additional cost.4

To get a quote, use our simple Term Life calculator.

 

Certificates and riders are not available in all states.
Contractual provisions and limitations may vary by state.
Subject to reinsurance and underwriting requirements.  

*Royal Advantage Term Insurance - Form Series 200711A

1This is not intended to provide tax or legal advice. You should consult a professional tax advisor about taxes related to your particular situation.

2Receipt of acceleration of life insurance death benefits may be taxable and may affect your, your spouse’s, or family’s eligibility for public assistance programs. Consult you tax professional or social services agency for details. Eligibility requirements apply. 

3Subject to reinsurance and underwriting requirements: $3,000,000 limit for a Disability Waiver of Premium Rider. 

4Member 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.