1. 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

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

3. 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.

4. 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, Financial information as of Aug. 1, 2012.

5. 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

6. 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

7. 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

8. 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

9. SecureLife UL DB Product Specifications
Issue Ages (age last birthday): 0-75 Non-tobacco risk classes 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

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

11. 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

12. 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?

13. 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 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 $ 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 $ for her and $ for him.

14. 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.

15. 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.

16. 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.

17. 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

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

19. Illustrating using Life Portraits

20. Illustrating using Life Portraits

21. SecureLife UL DB: Sample Illustration

22. Illustrations and Forms
Application
Form series
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

23. Questions? Sales Support (800) 770-4561
option 1 then option 5
IMPORTANT INFORMATION:
SecureLife Universal Life Death Benefit (UL DB). Form Series 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.