SecureLife Universal Life Death Benefit (UL DB)
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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 Difference SM What is SecureLife UL DB? Product Specifics Sales Concepts Marketing Materials Illustrations and Forms 2
3 Insurance with a Difference SM As one of the largest women-led life insurance organizations, Royal Neighbors has been committed to empowering women to achieve financial security since 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. 3
4 Royal Neighbors: Strong & stable A.M. Best Rating: A- (4 th 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,
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 5
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 6
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 7
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 Accumulation Focus Death Benefit Focus Essential Life Whole Life SecureLife UL DB SecureLife UL CV Premium Royal Advantage Term More Guarantees Less Guarantees 8
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 9
10 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) , option 1, to review your client s medical history prior to completing the application if you have concerns about your client s rating. 10
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 11
12 Sales Concept 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. 12
13 Sales Concept 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. 13
14 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. 14
15 Marketing Materials Product Profile for agents Form 2992-A At-a-glance product info Consumer Product Brochure Form 2992 Product description for clients Consumer Life Stage Brochure Form 2975-F Product description for clients 15
16 Agent Website Links to PDFs of sales materials and application Instructions for ordering supplies 16
17 Illustrating using Life Portraits 17
18 Illustrating using Life Portraits 18
19 SecureLife UL DB: Sample Illustration 19
20 Application Form series State specific versions Illustration Illustrations and Forms Form series 1771 Signed illustration is required with application Replacement Notice Form 1856-NAIC Form 1856 (state specific) Accelerated Living Benefit Rider Disclosure Form transfer Form
21 Live Aqua Cancun Royal Neighbors Sales Conference June 1 4, 2014 Live Aqua Resort in Cancun, MX Qualify through December 31,
22 Questions? Sales Support (800) 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. 22
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