Royal Neighbors Promise Plus

Promise Plus

Unique Coverage Designed with Women in MindPromise Plus Brochure

You’re unique; shouldn’t your life insurance be as well? 

Life insurance protection means you have coverage as long as your premiums are paid. But a single type of coverage does not fit everyone’s needs, especially if your family has a history of cancer. What if you are diagnosed with cancer later in your life,  and the costs associated with your recovery force you to choose between paying medical bills and keeping your life insurance coverage?

We offer a unique rider called Promise Plus which provides a benefit that can help. We want to ease the financial concern of making life insurance payments so you can focus your energy and resources on what’s really important - getting well and spending time with those you care about.

How Does Promise Plus Work?

By adding this rider for an additional cost when you apply for your life insurance coverage, Promise Plus allows your premium payments or monthly deductions to be waived if you’re diagnosed with Stage II or greater cervical, ovarian, or breast cancer prior to turning 60 years old. You can focus on your health and your family knowing your valuable life insurance is covered.

If you are diagnosed with a second type, you are able to access this benefit again. In fact, you can use this benefit once for each of the three types of cancer covered by Promise Plus.

If you have a family history of breast, cervical, or ovarian cancers, you should consider adding Promise Plus to your life insurance protection.

Certificate and riders are not available in all states. Contractual provisions and limitations may vary by state. Subject to underwriting requirements. Promise Plus is not health insurance.


Promise Plus

What Solutions Are Right For Me?

These scenarios best describe my financial concerns (select all that apply):
Select a choice
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*This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of a funeral at time of death. The beneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.
Form #: P00007-1; Rev. 5-2017 

What Solutions Are Right For Me?

About me and my responsibilities:
Please Select An Option
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My Age
Please Select An Option
My Partner's Age
Please Select An Option
Please Select An Option
Please Select An Option
Form #: P00007-2; Rev. 9-2016 

What Solutions Are Right For Me?

My Choices:
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Form #: P00007-3; Rev. 9-2016 

How Much Coverage Do I Need?

More about me and my finances:
Please Select An Option
Insurance Types:
annual_income_icon
Please Select An Option
Monthly/Annual Retirement Income: this includes Pension & Annuities.
me_retirement_icon
Please Select An Option
partners_annual_income_icon
Please Select An Option
partners_retirement_icon
Please Select An Option
house_icon
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Amount of Other Debts
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My Assets
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Included 401K, IRA, and any other Investments
Form #: P00007-4; Rev. 9-2016 

How Much Coverage Do I Need?

My children and their education:
Please Select An Option
Child Icon

Oldest Child

years old.
Please Select An Option
More Child Options
More Child Options
Form #: P00007-5; Rev. 9-2016 

How Much Coverage Do I Need?

More about me:
Please Select An Option
Form #: P00007-6; Rev. 9-2016 

My Coverage Choices

coverage_options
My current resources are: N/A
Includes estimated potential Social Security benefits
My recommended coverage is: N/A
My coverage gap is: N/A
How did we figure this out?
I am most concerned about:See My Concerns
    Riders are features you can add to customize your coverage based on your individual needs. These riders may add to the cost of your insurance. Click on the rider options below to learn more about each of the available riders.

    what riders ARE offerED WITH MY COVERAGE OPTIONS?

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Cancer Waiver Rider

    Our Cancer Waiver rider allows the insured to waive two years of premiums or monthly deductions if diagnosed with Stage II or greater cervical, ovarian, or breast cancer prior to turning 60 years old. This rider eliminates the concern of making life insurance payments during this period so the insured can focus energy on what’s really important – getting well and spending time with loved ones.
    Form series 2084
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    Form #: P00007-7; Rev. 9-2016 

    Free and Discounted Programs for Our Members

    Opportunities to save money, volunteer, and more!
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    Do you or someone in your household (select all that apply):

    Form #: P00007-8; Rev. 9-2016 

    Free & Discounted Programs for Our Members

    Opportunities to save money, volunteer, and more!
    dental_icon
    vision_icon
    prescription_icon
    legal_icon
    online_shopping_icon
    dollar_icon

    Benefits you ARE interested in:

    Legal Icon

    Legal services

    Dental Icon

    Dental care discounts

    Retail Discounts

    Retail discounts

    Prescription Icon

    Prescription drug discount

    Vision_icon

    Vision discounts

    online_shopping_icon

    Cashback online shopping

    hearing_aids_icon

    Hearing aid discounts

    health_screens_icon

    Lifeline screenings

    Benefits you MAY BE interested in:

    Form #: P00007-9; Rev. 9-2016 
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    From Beginning
    Restart Coverage
    Form #: P00037; Rev. 10-2016
    Royal Neighbors Pop Up Glossary

    Pop-up Glossary

    Life-Insurance

    a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

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    MY INSURANCE CALCULATIONS

    The calculations contained within this calculator are specific to Royal Neighbors of America. It is intended to estimate an amount of life insurance coverage if death occurred in the near future. It is not a recommendation for specific coverage amounts. Your financial needs may differ from the estimates. Royal Neighbors does not guarantee that the amount illustrated here will meet your financial needs. You are responsible for selecting the appropriate amount of coverage. To evaluate your specific needs, please contact Royal Neighbors directly at (866) 845-6665.

    Needs
    • Immediate Needs N/A
    • Mortgage Amount: N/A
      Other Debts: N/A
      Funeral Expenses:N/A
    • Long-term Needs N/A
    • College Costs: N/A
      Total Income:N/A
    • Total Needs N/A
    Resources
    • Immediate Resources N/A
    • Investment Assets N/A
      Life Insurance Proceeds N/A
    • Long-term Resources N/A
    • Partner's Earnings N/A
      Social Security N/A
    • Total Resources N/A
     
    Additional Life Insurance Needed
    • Your total needs minus your total resources means you need N/A

    Income Replacement Estimate

    This chart estimates how much life insurance your loved ones may need to replace your income and maintain their current standard of living. Your dependents may be eligible to collect Social Security income benefits, which are included in the calculation below. The “Insurance Needed” column does not include financial needs such as paying off debt or paying for college.
    Year Partner Age Partner Income S.S. Income Available Income Desired Income Surplus/Shortfall Available Resources Insurance Needed

    Calculations include your answers to the previous questions, in addition to the following: 3% investment return; 2.6% anticipated inflation rate; $8,500 for funeral expenses which is based on the national median cost for an adult funeral in 2014 according to the National Funeral Directors Association1; 75% of your annual combined income for desired annual income needs; and 15 years for the number of years’ income needed or the calculation of the number of years it will take your youngest child to complete higher education, whichever is greater. Social Security benefits were factored based on the age of your youngest children (up to 4). Immediate needs include your mortgage, other debts, and $8,500 for funeral expenses.

    College cost estimates are based on the following parameters (based on data provided by [College Board] . The inflation rate for college costs (5.48% annually) is based on the Bureau of Labor and Statistics Consumer Pricing Index average from January 1996-June 2016. This rate will factor into college cost assumptions for future years, adjusted annually.

    • Amount for community college: 2 years @ $3,435/year (tuition and fees only)
    • Amount for public university: 4 years @ $19,548/year (tuition, fees, room and board)
    • Amount for private university: 4 years @ $43,921/year (tuition, fees, room and board)

    1 “The national median cost of a funeral with viewing and burial for calendar year 2014 was $7,181. If a vault is included, something that is typically required by a cemetery, the median cost is $8,508. The cost does not take into account cemetery, monument or marker costs or miscellaneous cash-advance charges, such as for flowers or an obituary.” http://www.nfda.org/news/statistics

     
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