Royal Neighbors of America Header Image

Ensured Legacy Final Expense

Enter Your Page Description (If Any)

Ensure your legacy with the coverage you need.

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 of 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!

How to Leave a Legacy: 1. Become a Royal  Neighbors member 2. Get life insurance 3. Gift life insurance to your grandchildren 4. Get support to bolster your community impact 5. Give to a charity

Frequently Asked Questions


Q: What is Royal Neighbors membership?

A: Royal Neighbors is a Fraternal Benefit Society - a membership organization that offers life insurance and annuity products to its members. Member programs support the members’ overall wellness journey and serve their communities. Royal Neighbors of America offers two types of membership. Click here to learn more.

Happy multi-generational family on a beach.

Q: How can I be sure I’m doing right by my loved ones?

A: Your life insurance Certificate provides a financial safety net for your loved ones who rely on your income because they can use your life insurance death benefits towards nearly any expense. Some common examples are:

  • Mortgage or rent payments
  • Everyday living expenses like groceries, gasoline, utility bills, and car insurance
  • Childcare or school tuition
  • Paying off outstanding debt such as student loans and credit cards
  • End-of-life costs like a funeral or unpaid medical bills
  • Care for aging or ill parents

Q: I am healthy and young, why should I buy life insurance now?

A: Life insurance gets more expensive the older you are, so it’s a great idea to lock in rates early. If you are without certain health conditions now, it will help you secure a lower rate. If you wait, a health issue or accident could occur, making it more expensive later.

*Ensured Legacy final Expense, Form Series 211311, 211312, and 221309

#1 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.

#2 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.

#3 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.

#4 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.

#5 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.

Older smiling couple outside.
Royal Neighbors Pop Up Glossary

Pop-up Glossary


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).

Royal Neighbors Pop Up Glossary
Close Button
coverage options


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.

  • 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
  • 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.”

The specified form no longer exists or is currently unpublished.
Form #: P00700; Rev. 1-2024