Royal Neighbors of America

Fraternal Carrier • Final Expense + Member Benefits
Final Expense • Whole Life • Riders • Member Perks

Carrier Information

Founded: 1895 — Over 125 years as a fraternal benefit society
Unique Angle: Blends insurance with fraternal membership perks (scholarships, discounts, community grants)
Financial Strength: A.M. Best rating (check current agent guide)
Core Portfolio: Simplified Issue Final Expense WL (SIWL), graded/modified variants
Distribution: Agent-friendly workflows; paper/e-App options depending on state
Sales Support: (309) 788-4561 Option 1, Option 5 Broker Portal: agent.royalneighbors.org
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Simplified Issue Final Expense WL

Whole Life Level • Graded • Modified Issue Ages: 45–85
Product Overview
Plans
Level (immediate DB), Graded (partial years 1–2), Modified (ROP early years). Accidental death pays 100% immediately.
Face Amounts
Ranges typically $5,000 – $25,000 (state variations apply).
Premiums
Guaranteed level premiums for life; lifetime coverage.
Underwriting Highlights
Simplified issue with YES/NO health questions, MIB and Rx checks
Decline Oxygen use, dementia, active cancer treatment, ESRD, ALS

Fraternal Membership Benefits

Scholarships Community Grants Discounts
Included Perks
Annual scholarships and educational grants for members & families
Community volunteer grants and chapter-based giving
Discount programs on retail, prescriptions, and more
Why It Matters
Differentiates RNA in competitive FE space by adding non-insurance value
Helps position FE product as more than just insurance — membership community
Royal Neighbors — JETerm Level Term • 15 / 20 / 30 years Point-of-Sale E-App

What is JETerm?

JETerm is a level-premium term life product (15, 20, or 30 years) with a fast, paperless, point-of-sale e-application. It’s designed to give clients the most coverage for the lowest premium with simplified or full underwriting depending on age and amount.

When we typically use it
  • Income replacement during working years.
  • Mortgage or major debt protection (aligns with payoff horizon).
  • Young to mid-age clients (25–60) who want max coverage per premium dollar.
  • Fast decisions when point-of-sale underwriting is available.
Term Periods

Level premium for 15 / 20 / 30 years, then annually renewable to age 95.

Face Amounts

$50,000 minimum up to $5,000,000 (age/class dependent).

Issue Ages

18–65 depending on underwriting path.

Certificate Fee

Annual $80 fee (commissionable).

Underwriting Path (at a glance)
Issue AgesFace AmountUW Path
18–50$50k – $500kAccelerated/Simplified (POS, no phone interview)
51–60$50k – $250kAccelerated/Simplified (POS)
18–65$250k – $5MFull underwriting (labs/parameds possible)
Key Advantages
  • Fast e-app — no phone interview needed for simplified cases.
  • Competitive pricing for 15/20/30-year term periods.
  • Large bands available with full UW (up to $5M).
  • Convertible after term, renewable to age 95.
Good Fit Clients
  • Families seeking income replacement.
  • Homeowners protecting a mortgage.
  • Budget-conscious buyers who want max death benefit per dollar.
  • Clients who want quick underwriting decisions.
Common Riders
  • Promise Plus: Waives 2 years of premiums if diagnosed with Stage II+ breast, ovarian, or cervical cancer.
  • Additional term riders available in some states for layering coverage.
Quick Process (for new agents)
  1. Pre-screen: check age/amount vs UW path.
  2. Quote: run 15 / 20 / 30 options based on budget and needs.
  3. E-App: point-of-sale, tablet/laptop friendly.
  4. Decision: instant/fast for simplified; full UW may take longer.
  5. In force: set EFT, explain certificate fee, review renewals.
Fast Facts
  • Carrier: Royal Neighbors of America
  • Product: JETerm (Form Series 1611)
  • Term Options: 15, 20, 30 years
  • Issue Ages: 18–65
  • Face Amounts: $50,000 – $5,000,000
  • Certificate Fee: $80 annually
  • UW Classes: Super Pref / Pref / Standard / Substandard
  • POS E-App: no phone interview
Accelerated UW Checks

Pulls data from Rx, MIB, MVR. Simplified cases avoid labs/parameds.

Watch-Outs (Pre-Qual)

Declines likely for recent cancer, heart events, COPD, stroke/TIA, dialysis, transplants, insulin complications.

Build / Vitals

Preferred classes require good build, BP, cholesterol ratios, and favorable family history.

Positioning Tips
  • Match term length to mortgage or youngest child’s independence.
  • Blend term bands for layered coverage.
  • Be upfront about certificate fee and renewals.
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