Whole Life Insurance
(*See important notes)
We offer various whole life options to ensure that our members have a certificate that meets their needs:
Royal Prime Permanent Life Insurance
(*see important notes) Build cash value with Royal Prime Permanent Life Insurance. Take care of your family's needs now. Royal Prime Permanent Life insurance is affordable coverage that offers:
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Guaranteed coverage at a guaranteed level-rate premium
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Income tax-free death benefit
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Variable coverage amounts with no maximum*
Select from three plans, each with additinoal rider options, to create the plan that best suits your needs: You choose the value of your coverage, – with no maximum limit. Select from three payment options that make financial planning easy:
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20-Pay Life
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Level Pay to Age 121
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Life Paid-up at 65
Royal Prime Riders: An affordable way to customize your insurance plan
Choose rider options to increase the protection for your loved ones:
Accidental Death Benefit Rider. If you die accidentally, the rider provides a benefit equal to the face amount of your plan. Issue ages 16-55. (Form Series 2082)
Disability Waiver of Premium Rider Waives premiums in the event of and during total disability of the insured. Waiver is subject to a waiting period. Issue ages: 16-55 (Form series 2081)
Guaranteed Insurability Rider guarantees you to purchase additional life insurance up to the lesser of the certificate face amount or $25,000, at specified dates and life events. WIth this plan, you will not need to show additional evidence of insurability. Issue ages 16-45 (Form series 2083)
The Accelerated Living Benefit Rider allows you to protect your loved ones by using a portion of your death benefit while you are still living, permanently confined to a nursing home or with a diagnosed terminal condition. (Form series 1766)
Child Term Rider provides for Level Term Insurance of $5,000 per child from age 15 days to 18 years (or up to age 24 if enrolled in an accredited educational institution). This may be converted to a new permanent life insurance plan subject to age restriction limitations. Base insured issue ages: 16-55 (Form series 2080)
Flexible Premium Deferred Annuity Rider offers a convenient way to save for retirement on a tax-deferred basis by allowing individuals the flexibility to vary the amount and frequency of payment for their deferred annuity. Issue ages 16-55 (Form series 2085)
Plus, as a member of Royal Neighbors of America, you are eligible for additional member benefits, AT NO ADDITIONAL COST!
** Level Pay to Age 121, 20-Pay Life, and Life Paid-up at 65 (Form series 200811)
Certificates and Riders are not available in all states.
Contractual provisions and limitations may vary by state.
Subject to reinsurance and underwriting requirements.
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$3,000,000 limit for a Premium Waiver Disability Rider
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$300,000 maximum with Accidental Death Benefit Rider
** Receipt of acceleration of life insurance death benefits may be taxable and may affect you, your spouse's, or your family's eligibilty for public assistance programs. Consult your tax professional or social services agency for details.
May be subject to withdrawal charges and tax penalties
To get a quote, use our simple Whole Life calculator.
