Member programs are provided at the discretion of Royal Neighbors of America, are not available in all states, and are subject to change without notice. They are not part of any insurance or annuity contract and are not guaranteed. Insurance or annuity products should not be purchased for eligibility or maintenance of nonguaranteed membership programs. These products should only be purchased if they meet the financial needs of the applicant. Member programs are available at no extra cost. Approval is not guaranteed. Supplies are limited.