Graded Death Benefit Whole Life

If you are 50 years old or older, Royal Neighbors Graded Death Benefit* may be of interest to you. It delivers death benefit coverage with no physical exam¹. The death benefit is 30% face value in year one, 70% in year two, and 100% thereafter. If the death is accidental, coverage is 100% from issue date. With this plan, you can ease your family's burden for final expenses.

You are guaranteed:

• Premiums that remain constant 
• Cash surrender values (amount available upon complete surrender of the certificate)
• Death benefit (the amount of money paid to your beneficiaries after you die) 
• Coverage that can't be cancelled as long as premiums are paid 

Open to individuals ages 50 to 85. Graded Death Benefit is available in face amounts of $3,000 to a maximum of $10,000.

Accelerated Living Benefit²
If permanently confined to a nursing home or diagnosed with a terminal condition, a portion of the death benefit can be accessed and could be used to help fund your care or other needs. Additional fees and interest may apply. (Form Series 1766)

Plus, as a member of Royal Neighbors of America, you are eligible to apply for additional member benefits at no additional cost.³

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

¹ We reserve the right to order a Physician’s Statement at our discretion.

* Graded Death Benefit - Form Series 200613A

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. 

³Member 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.