Universal Life Insurance

SecureLife

(*See important notes)

Protect your family with a customized plan – giving your loved ones a SecureLife (Form series 200911). SecureLife Universal Life can protect you for any amount you choose, starting at $25,000, with no maximum coverage amounts.  Universal Life is permanent life insurance that can provide affordable guaranteed protection and flexibility so you can create the plan that works for you:

• Make Flexible Payments – Increase, decrease, stop, and restart your premium payments (within certain limits) to manage your changing financial obligations. 
• Choose a Death Benefit – You decide the legacy you provide to your family, starting at $25,000 with no maximum. 
• Accumulate Cash Value – A minimum interest rate of 3% is guaranteed to be credited to the account value.  

Security and value throughout your life:

• Additional member benefits at no additional cost. 
• Riders to help you tailor what comes next. 
• Loan option to let you access a portion of the cash surrender value.**  

Riders help you customize your coverage

Focus on your health

Accelerated Living Benefit Rider***

If you are permanently confined to a nursing home or diagnosed with a terminal condition, you can access your death benefit value any way you and your family choose. Issue ages 0-75. (Form Series 1766)  

Protect your family

Just starting a family? Add the Children’s Benefit Rider – Provide $5,000 in death benefit for each child up to age 18 (or through age 24 if the child is enrolled in an accredited institute of higher learning). Base insured issue ages 16-55. (Form series 2080)  

Prepare for life’s emergencies with the Accidental Death Benefit Rider – If you die accidentally, this rider provides additional  benefit up to 10 times your face amount, not to exceed $300,000. Issue ages 16-55. (Form series 2082)  

Add to your coverage easily with the Guaranteed Insurability Rider – During select option years or events, you can purchase additional coverage without evidence of insurability. (Form series 2083)  

Save for your retirement

Accumulate more for your retirement with the Flexible Premium Deferred Annuity Rider – Vary the amounts of savings payments in a convenient vehicle. Withdrawal charges and tax penalties may apply. Issue ages 16-55. (Form series 2085)

Legal Disclaimers:

• Not all products are available in all states 
• Contractual provisions and limitations vary by state 
• Subject to underwriting and reinsurance restrictions 
• Royal Neighbors of America does not provide tax advice; please see your tax advisor before making a purchase

*Form Series 200911 – Certificates and Riders not available in all states. Contractual provisions may vary by state. **Loan balances are subject to interest charges. ***Receipt of acceleration of life insurance death benefits may be taxable and may affect your, your spouse’s, or your family’s eligibility for public assistance programs. You are advised to consult a qualified tax professional or social service agency regarding the circumstances under which you might be able to receive an acceleration of a life insurance death benefit, excludable from income under federal law.