SecureLife Universal Life Death Benefit

A solution that can change when your life does

Form Series 1211. Not available in all states.

Form 2992-PP; Rev. 1-2013

Insurance with a DifferenceSM

As one of the largest women-led life insurance organizations, Royal Neighbors has been committed to empowering women to achieve financial security since 1895. As a not-for-profit life insurer with a community focus, they provide opportunities for members to engage and give back, and supporting the communities where they live.

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Member benefits

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* Member benefits are provided at the discretion of Royal Neighbors of America. They are not part of any insurance or annuity contract and are not guaranteed.

In addition to quality life insurance and annuity products, Royal Neighbors provides members with valuable money-saving benefits* at no additional cost. Benefits currently include: • Scholarships • Prescription drug discounts • Diagnostic testing discounts • Vision and dental discounts • And more

Protect your family’s future

Your family is beyond worth.

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It’s time to make the financial decisions so that if you or your spouse were to die prematurely, your home, income, living expenses, and your children’s futures will be protected. Potential uses for life insurance: • Final expenses • Mortgage fund • Emergency fund • Pay estate taxes* • Education funding • Income for family

* Royal Neighbors does not provide tax advice; please consult your tax advisor.

Source: Human Mortality Database, which combines data from US Census and National Center for Health Statistics, 2010

Chances of premature death

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How universal life works

A life insurance certificate remains in force as long as the account value can pay the cost of insurance. As long as the certificate is in force, a death benefit will be paid to your beneficiaries.

Flexibility you can afford

Home. Career. Marriage. Children. Your family’s needs will change over the years. Start protecting them today with SecureLife Universal Life Death Benefit, a cost-effective way to benefit from the convenience and flexibility of universal life insurance.

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Benefits of SecureLife UL DB

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● The flexibility to grow with you Change your premium payments if you’d like to alter the cash value, death benefit payout, or length of your coverage

● Affordable premium

Protect your family’s future at a price that fits your budget today

● Minimum 2% interest rate

The interest rate earned on your certificate’s account value will never be less than 2%. The actual credited interest rate of return can vary in excess of 2%

Benefits of SecureLife UL DB

● Predictability of a death benefit guarantee This product offers a no-lapse guarantee for 20 years, which provides the predictability and protection your family needs when they need it most.

While the guarantee is for 20 years, if you pay only the minimum premium* required to maintain the guarantee, you may not build significant cash value that can be used to offset the cost of insurance after the 20 year no-lapse period. Your agent will provide an illustration specific to your needs and circumstances to show how this guarantee works.

Higher premium payments may be needed after the 20-year guarantee period to keep the insurance in force.

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* Paying the minimum premiums will ensure that your certificate will pass a minimum cumulative premium test, which guarantees your certificate will remain in force during the 20-year no-lapse period. The minimum cumulative premium test is the minimum premium multiplied by the number of payments to be made during the first 20 years of your certificate.

The chart below shows how much income different life insurance death benefit amounts can provide if reinvested at 3% fixed interest, assuming 28% taxes on the interest earnings.

Income Replacement How Much is Enough?

If your death benefit amount is: $250,000 $500,000 $1,000,000 $2,000,000

If your family spent $25,000 for last expenses, the amount remaining to provide income is…

$225,000 $475,000 $975,000 $1,975,000

Your family will have this monthly income for

10 years: $2,162 $4,564 $9,369 $18,978

This monthly income for 20 years: $1,236 $2,610 $5,358 $10,853

This monthly income for 30 years: $936 $1,977 $4,057 $8,218

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Riders offer additional protection For an additional cost, these optional riders* provide options to maximize your coverage:

● Accelerated Living Benefit Rider – If you are permanently confined to a nursing home or diagnosed with a terminal condition, you can access a portion of your death benefit value any way you and your family choose. Issue ages 0-75. (Form series 1766)

● Accidental Death Benefit Rider – If you die due to an accident, this rider provides an additional benefit up to 10 times your face amount, not to exceed $300,000. Issue ages 16-55. (Form series 2082)

● Guaranteed Insurability Rider – During select option years or events, you can purchase additional coverage without evidence of insurability. (Form series 2083)

● Flexible Premium Deferred Annuity Rider – Vary the amounts of premium payments in a convenient retirement vehicle. Minimum premiums, withdrawal charges, administration fees, and tax penalties may apply. Issue ages 16-55. (Form series 2085)

● Child Rider – Provides $5,000 of coverage for each of your children. (Form series 112090)

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Not available in all states. Contract terms may vary by state.

Start protecting your family today

SecureLife UL DB can evolve and grow with you as your family’s lifestyle and needs change. An illustration will provide details specific to your circumstance.

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