For agent training only

SecureLife Universal Life Death Benefit (UL DB)

A 20-year guarantee with flexibility

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For Agent training only. Not for consumer solicitation purposes.

Form 2992-C; Rev. 8-2012

For agent training only

SecureLife UL DB

● Insurance with a DifferenceSM

● What is SecureLife UL DB?

● Product Specifics

● Sales Concepts

● Marketing Materials

● Illustrations and Forms

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For agent training only

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.

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For agent training only

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

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A.M. Best Rating as of Dec. 31, 2011. Financial information as of Aug. 1, 2012.

For agent training only

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

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For agent training only

Customer Needs: UL DB

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● 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

For agent training only

Other Benefits for your Clients

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• Persistency bonus: After 20 years of coverage, the credited interest rate increases by 0.35% (non-guaranteed)

• Minimum 2% crediting rate

For agent training only

SecureLife: Death Benefit vs. Cash Value

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UL DB • Lower premium • Focus on 20-year

guarantee period

UL CV • Higher premium • Focus on cash

accumulation & loans

Premium

Royal Advantage

Term

Essential Life Whole Life

SecureLife UL CV Accumulation

Focus

Death Benefit Focus

More Guarantees

Less Guarantees

SecureLife UL DB

For agent training only

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

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For agent training only

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.

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For agent training only

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

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For agent training only

Sales Concept

Term Plus: The Carlsons

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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.

For agent training only

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.

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For agent training only

How does SecureLife UL DB compete with other current assumption UL products?

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Source: Company illustrations as of 7/20/12. Royal Neighbors’ rate as of 8/1/12.

$250,000 level death benefit:

For agent training only

Marketing Materials

Product Profile for agents

● Form 2992-A

● At-a-glance product info

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Consumer Product Brochure

● Form 2992

● Product description for clients

Consumer Life Stage Brochure

● Form 2975-F

● Product description for clients

For agent training only

Agent Website https://agent.royalneighbors.org/Products/ULDB.aspx

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● Links to PDFs of sales materials and application

● Instructions for ordering supplies

For agent training only

Illustrating using Life Portraits

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For agent training only

Illustrating using Life Portraits

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For agent training only

SecureLife UL DB: Sample Illustration

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For agent training only

Illustrations and Forms

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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

For agent training only

Live Aqua Cancun

Royal Neighbors Sales Conference

● June 1 – 4, 2014

● Live Aqua Resort in Cancun, MX

● Qualify through December 31, 2013

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For agent training only 22

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.