SecureLife Universal Life Death Benefit (UL DB) A 20-year guarantee with flexibility For Agent training only. Not for consumer solicitation purposes. Form 2992-C; Rev. 8-2012

SecureLife UL DB Insurance with a DifferenceSM What is SecureLife UL DB? Product Specifics Sales Concepts Marketing Materials Illustrations and Forms

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. We are a not-for-profit life insurer with a community focus – providing opportunities for our members to engage and give back, and supporting the communities where they live. We offer financial protection solutions for women throughout their lives. Our members receive valuable benefits which currently include scholarships and discounts on health and wellness services. We can help you build your business by winning the hearts (and purses) of women, the group who makes 80% of the household purchasing decisions.

Royal Neighbors: Strong & stable A.M. Best Rating: A- (4th highest out of 15 possible) $804M in assets $211M in surplus (27% surplus ratio exceeds industry average of 18%) 1.36 solvency ratio (exceeds industry average of 1.09) Serving more than 200,000 members A.M. Best Rating as of Dec. 31, 2011. Financial information as of Aug. 1, 2012.

What is SecureLife UL DB? New universal life product from Royal Neighbors of America Offers an affordable premium and a 20-year guarantee period with the flexibility of a UL product Two-year rolling target commissions

Customer Needs: UL DB Designed for consumers in the cost-conscious stage of their lives Royal Neighbors research found consumers were most interested in the affordability and flexibility of this product Combines affordable premium with the flexibility to increase their payments in the future to increase cash values and carry the certificate beyond the 20-year guarantee

Other Benefits for your Clients Persistency bonus: After 20 years of coverage, the credited interest rate increases by 0.35% (non-guaranteed) Minimum 2% crediting rate

SecureLife: Death Benefit vs. Cash Value UL DB Lower premium Focus on 20-year guarantee period UL CV Higher premium Focus on cash accumulation & loans SecureLife UL CV Accumulation Focus Essential Life Whole Life Premium Death Benefit Focus SecureLife UL DB Royal Advantage Term More Guarantees Less Guarantees

SecureLife UL DB Product Specifications Issue Ages (age last birthday): 0-75 Non-tobacco risk classes 18-75 Tobacco risk classes Underwriting Classes: Male/Female Non-tobacco/Tobacco ($50,000-$99,999) Super Preferred Non-Tobacco, Preferred Non-Tobacco, Std. Non-Tobacco, Preferred Tobacco, and Std. Tobacco ($100,000+) Minimum Face Amount: $50,000 Optional Riders: Accelerated Living Benefits Accidental Death Guaranteed Insurability Flexible Premium Deferred Annuity Child

Underwriting Highlights There is currently no substandard rating on this product. Please consult our Field Underwriting Guide (Form 2980-B). Call our Risk Assessment team at (800) 627-4762, option 1, to review your client’s medical history prior to completing the application if you have concerns about your client’s rating.

Accelerated Living Benefit Rider Qualifying Events (certified by physician): Terminal condition - Insured’s death is reasonably expected within 12 months OR Expected permanent confinement to qualified nursing home - continuously confined to nursing home for at least 90 days and confinement is expected to be permanent Up to 75% of the face amount can be accelerated (minimum $5,000, maximum $250,000 from all certificates accelerated) No additional charge for rider; cannot be added after issue

Sales Concept #1 Family Income Needs: The Marshalls Ali and Jason are both high school teachers and parents of three-year-old Sam with another baby on the way. Recently they discussed what would happen to their family if one of them were to die unexpectedly. How would they afford daycare and other day-to-day expenses on one income while maintaining a similar standard of living?

Sales Concepts #1 Family Income Needs: SecureLife UL DB After walking through a needs analysis, you help them decide they both want to have $250,000 in coverage that will cover final expenses and replace monthly income to the surviving spouse for 15-20 years. Both 35 years old and rated best class, the minimum premium to insure the 20-year guarantee period for Ali is $62.50 per month and for Jason is $72.92 per month for SecureLife UL DB, for a total of $135.42 combined. As their family and budget grow, they can continue to work with you to increase their premium payments to extend the coverage beyond the guarantee period. Plus, the Marshalls like supporting a not-for-profit company whose earnings help support their local community. Mike – mention two-year target premiums here?? Target is $118.75 for her and $158.33 for him.

Sales Concept #2 Term Plus: The Carlsons Ryan and Kendra bought their first home this year – a fixer-upper. They think it’s important to protect their mortgage, but their budget is tight and there are a lot of projects around the house. Term insurance is affordable and helps protect their mortgage, but Kendra feels like they are throwing their money away and would like permanent coverage beyond the terms of their mortgage.

Sales Concept #2 Term Plus: SecureLife UL DB SecureLife UL DB from Royal Neighbors provides more options than term insurance. Kendra is 30 years old and rated preferred class. She can get $175,000 in coverage for $67.08 a month to protect her mortgage, then as life changes, she has several options. She can choose to increase payments to extend the coverage beyond 20 years. She can keep their certificate and apply for an increase in their death benefit as their insurance needs grow. If she chooses to cancel their insurance, she will still get the cash value returned to them, unlike term insurance.

How does SecureLife UL DB compete with other current assumption UL products? $250,000 level death benefit: Source: Company illustrations as of 7/20/12. Royal Neighbors’ rate as of 8/1/12.

Marketing Materials Consumer Product Brochure Form 2992 Product description for clients Product Profile for agents Form 2992-A At-a-glance product info Consumer Life Stage Brochure Form 2975-F Product description for clients

Agent Website https://agent.royalneighbors.org/Products/ULDB.aspx Links to PDFs of sales materials and application Instructions for ordering supplies

Illustrating using Life Portraits

Illustrating using Life Portraits

SecureLife UL DB: Sample Illustration

Illustrations and Forms Application Form series 121732 State specific versions Illustration Form series 1771 Signed illustration is required with application Replacement Notice Form 1856-NAIC Form 1856 (state specific) Accelerated Living Benefit Rider Disclosure Form 1767 1035 transfer Form 2365 Application includes MEC acceptance

Questions? Sales Support (800) 770-4561 option 1 then option 5 IMPORTANT INFORMATION: SecureLife Universal Life Death Benefit (UL DB). Form Series 1211. Not available in all states. Member benefits are provided at the discretion of Royal Neighbor of America. They are not part of any insurance contract and are not guaranteed.