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Member Relief Fund

When natural disasters have devastated our homes and communities, we rely on help from our friends, loved ones, and neighbors. As a fraternal membership organization, Royal Neighbors has assisted members during times of natural disaster since our founding.

Our Member Relief Fund provides assistance to Beneficial Members experiencing financial difficulties resulting from illness, accident, or disaster.

If you are a Beneficial Member with Royal Neighbors, you may qualify for up to $200 in premium assistance through this member relief fund. Program funds will be distributed to qualified Beneficial Members until the fund is depleted.

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Who Qualifies as a Beneficial Member at Royal Neighbors of America?

You’re considered a Beneficial Member if you meet one of the following conditions:

  1. You are insured under a Royal Neighbors life insurance certificate (as long as the certificate is not currently on Extended Term Insurance).
  2. You are the owner of a Royal Neighbors annuity.
    • If the annuity is owned by a trust, the annuitant (the person receiving the annuity payments) is considered the Beneficial Member.
  3. You are owner of a settlement contract.
    • When the insured person passes away, the beneficiaries can choose how to receive the death benefit, should they not wish to receive a lump sum payment. These are known as settlement options/contracts. Please refer to the applicable Settlement Options provision of the contract.

If you have any questions, please call 309-732-8216.

Payments

  1. Payment to cover the insurance premium of the applying member’s certificate, up to and not to exceed $200. Auto premium payments will be temporarily halted during this time.
    Or
  2. If the premium balance has been paid for the year, a $200 check will be issued to the applying eligible beneficial member.

Program Criteria:

  • Program funds will be distributed to qualified Beneficial Members until the annual fund is depleted.
  • Funds will not be awarded to eligible Beneficial Members more than once annually with a lifetime maximum of three.
  • Date of onset illness/personal injury or natural disaster must be within six months of Member Relief Fund application.
  • The reason for applying can be due to a natural disaster like a flood, hurricane, earthquake, tornado, fire, or other catastrophic weather event.
  • Only damages/loss to the structure and contents of an inhabited dwelling are considered.
  • Loss and damages to automobiles, driveways, landscapes, businesses, outbuildings, and income are not considered.
  • Members can receive the Member Relief Fund one time per qualifying event.

Disclosure:

Member Programs are provided at the discretion of Royal Neighbors of America and are not available in all states. Member Programs may be administered by a third party and are subject to change without notice. They are not part of any insurance or annuity contract and are not guaranteed. Insurance and annuity products should not be purchased for eligibility or maintenance of non-guaranteed 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.