Ensured Legacy Final Expense
Royal Neighbors has permanent life insurance coverage to help you pass on your love and legacy – not your debt. Best of all, Ensured Legacy Final Expense®* offers a suite of products designed to help you find the right coverage for your unique situation.
With Ensured Legacy Final Expense you can:
Royal Neighbors has permanent life insurance coverage to help you pass on your love and legacy – not your debt. Best of all, Ensured Legacy Final Expense offers a suite of products designed to help you find the right coverage for your unique situation. With Ensured Legacy Final Expense you can:
- Choose coverage between $5,000 – $40,000#1
- Select our Charitable Giving Rider#2 and take comfort knowing you’re not only financially helping your loved ones when you pass, but a charity that is important to you.
- Give your grandchildren $5,000 of life insurance coverage when you select our Grandchild Term Insurance Rider#3
- Add the Accidental Death Benefit Rider#4 to give your family additional financial protection should your death be caused by a covered accident.
- Take comfort in knowing you can access part of your death benefit if you’re diagnosed with a terminal illness when you use our Accelerated Death Benefit Rider#5 – available for no additional premium!
Disclosure:
*Ensured Legacy Final Expense, Form Series 211311, 211312, and 221309
- Coverage ranges will depend on whether the applicant qualifies for either Simplified Issue (Form Series 211311), Graded Death Benefit (Form Series 211312), or Guaranteed Issue (Form Series 221309) – speak with your Royal Neighbors agent for more details.
- Charitable Giving Rider (Form Series 221113). Subject to the terms and conditions of the rider, and the life insurance certificate, at time of claim, Royal Neighbors will pay a single lump sum charitable benefit to the 501(c)(3) charitable organization designated by the owner of the certificate. The charitable benefit amount will be the lesser of one-percent of the face amount of the certificate or $1,000. There is no additional premium for this rider.
- Grandchild Term Insurance Rider (Form Series 221081). The Beneficiary of this rider is the insured of the life certificate to which the rider is attached. This rider terminates either upon the request of the insured or when the base certificate terminates or is paid. = An additional premium is required for this rider.
Accidental Death Benefit Rider (Form Series 222140). This rider provides for an additional death benefit if the insured’s death was a direct result of an accident, pursuant to the terms of the rider. An additional premium is required for this rider.
- Accelerated Death Benefit Rider (Form Series 221203). This rider provides a one-time, lump sum payment of a portion of the life insurance certificate’s death benefit to the owner if the insured is diagnosed as having a qualified terminal condition or the insured is permanently confined to a qualified nursing home, pursuant to the terms of the rider. Receipt of acceleration of life insurance death benefits may be taxable and may affect the eligibility for public assistance for the Owner, the Owner’s spouse’s, or the Owner’s family. Consult your tax professional or social services agency for details. Not available on Guaranteed Issue (Form Series 221309), the benefits are not assignable, and the rider must be added prior to issuance of the certificate or at the time of reinstatement. Only available on certificates with a face amount of $7,000 or higher. No additional premium required.
This is not a funeral or burial contract, and does not specifically cover funeral goods and services. The death benefit is paid to the designated beneficiary(s) who may use the proceeds for any purpose. This life insurance does not guarantee that the proceeds will be sufficient to pay for any particular goods or services, nor that those goods or services will be provided by any particular provider.
Royal Neighbors of America® (NAIC #57657), is an Illinois corporation and is licensed in all states and the District of Columbia, except AL, AK, HI, LA, MA, NH, NY. Not all products are available in all states. Contractual provisions and limitations may vary by state.