Royal Neighbors of America (RNA) - Ensured Legacy Final Expense

Carrier: Royal Neighbors of America (RNA)

Product: Ensured Legacy Final Expense

Plan Types: Simplified Issue Whole Life (SIWL), Graded Death Benefit (GDB), Guaranteed Issue (GI)

Issue Ages: SIWL: 50–85 | GDB & GI: 50–80

Face Amounts: SIWL: $7,000–$40,000 | GDB/GI: $7,000–$25,000

Target Market: Clients seeking permanent life insurance with simplified or guaranteed underwriting. Ideal for final expense planning, especially those with mild to moderate impairments or uninsurable health conditions.

Underwriting Notes: No exam; eligibility determined by Yes/No questions, MIB, and Rx. Level for healthy; Graded for moderate health; Modified for higher risk (e.g. recent health events).

Carrier: Royal Neighbors of America (RNA)

The Ensured Legacy Final Expense product suite is designed to meet the diverse needs of clients seeking permanent life insurance protection with simplified or guaranteed underwriting. It offers immediate or graded death benefits with level premiums and strong policy flexibility, depending on the selected plan.

This product is a whole life insurance solution with a strong member-driven foundation and simplified access via eApp, phone, or paper submission methods. All plans are whole life with guaranteed level premiums and cash value accumulation. There are three plan types, each with specific underwriting guidelines and benefits:

• SIWL (Simplified Issue Whole Life): Level death benefit and full underwriting based on answers to health questions.
• GDB (Graded Death Benefit): Partial benefit in year 1 and 2, full in year 3. Available for moderate impairments.
• GI (Guaranteed Issue): No health questions, limited benefit years 1–2, full benefit year 3 and beyond.

All plans mature at age 121 and offer a member ownership structure, which makes the insured a beneficial member of Royal Neighbors of America.

Product Specifications – Ensured Legacy Final Expense

Product Type: Whole Life Insurance – Final Expense

Carrier: Royal Neighbors of America (RNA)

Available Plan Types

• SIWL – Simplified Issue Whole Life: Available ages 50–85
• GDB – Graded Death Benefit: Available ages 50–80
• GI – Guaranteed Issue: Available ages 50–80

Face Amounts

• SIWL: $7,000 to $40,000
• GDB: $7,000 to $25,000
• GI: $7,000 to $25,000

Premium Modalities

• Payment Modes Available: Annual, Semi-Annual, Quarterly, Monthly EFT, or Direct Express
• Modal Factors:
  • Semi-Annual: 0.515
  • Quarterly: 0.260
  • Monthly EFT or Direct Express: 0.087

Policy Fee: $36 annually, commissionable

Dividends: Non-participating policy (no dividends)

Loans: Available from cash value at 7.4% interest, compounded annually. Reduces benefit until repaid.

Maturity: Policies mature at age 121 with benefit payout minus loans.

Underwriting & Eligibility – Ensured Legacy Final Expense

Underwriting Approach: No exams, no phone interview. Eligibility based on health questions, build chart, and Rx/MIB review. No APS required unless flagged. Applicants must reside in the U.S. and have an SSN or ITIN.

Updated Build Chart – Maximum Weight by Height

The following build limits apply to SIWL and GDB plan eligibility. If an applicant exceeds the weight listed for their height, they may be declined or moved to the Guaranteed Issue plan.

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Impairment Eligibility Table – Ensured Legacy Final Expense

The following table lists medical conditions and which plan levels the applicant may be eligible for based on their health history. A checkmark indicates the plan tier is available for applicants with that condition. If no plan level is marked, the condition is likely not insurable under this product.

Riders – Ensured Legacy Final Expense

Royal Neighbors of America offers several valuable riders to enhance the core life insurance coverage. Some riders are included automatically, while others must be elected at the time of application. All riders are subject to availability by product type and state. Full details are outlined in the Rider Brochure.

Included Rider

• Accelerated Death Benefit – Terminal Condition and Permanent Confinement (Form Series 221203):
  • Provides a one-time lump sum payment of a portion of the certificate's death benefit if the insured is diagnosed with a qualifying terminal illness or is permanently confined to a nursing home.
  • Qualifying events:
    • Terminal condition with a life expectancy of 12 months or less as certified by a physician.
    • Continuous confinement to a qualified nursing home for 90 days or more, expected to continue until death.
  • Max acceleration: 75% of face amount or $100,000 (whichever is less); minimum benefit is $5,000. Admin fee: up to $100.
  • Available on SIWL and GDB only. Not available on GI.
  • Only one acceleration per insured; rider available only at issue; rider eligible for reinstatement.
  • Benefit may be taxable and affect eligibility for public assistance. Not assignable. No additional premium required, but lien and interest will apply.

Optional Riders

• Accidental Death Benefit Rider (Form Series 222140):
  • Pays full rider face amount if death occurs within 180 days of an accidental bodily injury.
  • Issue ages: 50–70; terminates at age 80.
  • Face amounts:
    • SIWL: $5,000–$40,000
    • GDB: $5,000–$20,000
    • GI: $3,000–$10,000
  • Rider available only at issue or reinstatement; additional premium required; standard rating always applies.
• Charitable Giving Rider (Form Series 221113):
  • Provides an additional benefit to a selected charity (lesser of 1% of the face amount or $1,000).
  • Available on all plans (SIWL, GDB, GI); no additional premium required.
  • Issue ages: 50–85. Must elect a charity at application; can be updated later.
  • If charity no longer exists at time of death, benefit goes to the Lift Women’s Foundation.
  • Not affected by ADB lien. Benefit payable only at death, not at maturity.
• Grandchild Rider (Form Series 221081):
  • Provides $5,000 of life insurance for each eligible grandchild (step, natural, or adopted; no great-grandchildren).
  • Flat cost: $60/year. Covers grandchildren ages 90 days through 17 (up to 25 if in school).
  • Conversion allowed to permanent coverage:
    • Ages 90 days to 9: $5,000
    • Ages 10 to 14: $5,000–$10,000
    • Ages 15 to 19: $5,000–$15,000
    • Ages 20–24: $5,000–$20,000
    • Age 25 (within 31 days): $5,000–$25,000
  • Conversion allowed any time before expiration, or within 90 days after death of the insured (no more than 6 months post-death).
  • Rider terminates on base contract lapse or assignment; conversion allowed after assignment (within 90 days).
  • Standard rating applies; rider eligible for reinstatement.

Application & Submission Guidelines – Ensured Legacy Final Expense

e-Application

Availability: e-App can be completed in person or remotely. The Insured, Owner, and Payor can be different individuals and do not need to be in the same location.

• Access via Agent Website or through Application Submission Tools.
• Height/Weight is only required for Preferred rating. Face amount must be $25,000 or higher for Preferred.
• Trusted Contact Person and Second Addressee options are available.
• Separate Owner allowed with insurable interest. See acceptable ownership rules (pages 15–17 of agent guide).
• Separate Payor allowed; Social Security benefit-tied draft date supported.
• Same Day draft available; Save Age options supported by adjusting draft date prior to birthday.
• e-Signature methods: Email, SMS text, or Voice. Electronic or voice signature accepted for disclosures.

e-App Interview Steps

1. Pre-qualify applicant and Proposed Insured.
2. Access and complete the e-App.
3. Use quoting tools, select plans, riders, and draft dates.
4. Review Existing Coverage/Replacement details. Max coverage: $40k SIWL, $20k GDB, $10k GI.
5. Enter Beneficiary and Payor information. Round up options available.
6. Capture electronic signatures or initiate voice signature process.
7. Once signatures are complete, click “Underwrite Case” to trigger real-time decision.

Phone Application

Steps:

1. Pre-qualify the applicant using POS Agent Worksheet (Form 2416-A).
2. Call (866) 281-9228 to complete the interview.

Agent Info:

• Provide your RNA Agent ID and confirm whether you are with the client.
• Deliver the Information Release Notice Form 231115-INFO (or FL version) and all required disclosures. If remote, applicant will choose how to receive disclosures (email, text, or read aloud).
• Answer health questions and collect voice signature. Interviewer will confirm approval, decline, or refer to underwriting.

Paper Application

Use the following forms:

• Application Form 231115 (with ICC and state-specific versions)
• Agent Report – Form 231115-AGT
• EFT Authorization – Form 231115-EFT (if premium is to be drafted)
• Information Release Notice Form 231115-INFO (state-specific)

Submission Options:

• Email: This email address is being protected from spambots. You need JavaScript enabled to view it. (via secure email system)
• Agent Web Portal: Use “Send a Secure Email” option
• Agent Access Mobile App: Scan and send directly to RNA secure mailbox
• Fax: (866) 787-1450 (no cover sheet required)
• Mail: 230 16th Street, Rock Island, IL 61201

Important Notes:

• Royal Neighbors will notify agent if the certificate cannot be issued.
• Electronically signed paper applications are prohibited.
• Ensure bank account information is accurate — verification is required before issue.

Check Application Status

• My Business > Pending > Recent Action
• Or via Agent Access Mobile App (create account and view Pending Business)

Pre-Qualification & Application Guidelines

Pre-Qualify the Applicant

All applicants must be pre-qualified before submitting an application for SIWL, GDB, or GI coverage with Royal Neighbors of America. Agents are expected to follow these steps:

1. Verify Identity: View a valid government-issued photo ID such as a current driver’s license, state ID, or passport. If unable to verify identity, this must be noted in the Agent’s Report section during the application interview.
2. Confirm Eligibility: Individuals who are not eligible for coverage include:
   • Anyone without a Social Security number
   • Anyone who is not a U.S. citizen or permanent resident (Green Card holder)
   • Anyone mentally incompetent or otherwise unable to legally contract
   • Any applicant or owner with a felony conviction (regardless of face amount)
   • Anyone who already owns $40,000 in SIWL, $20,000 in GDB, or $10,000 in GI with Royal Neighbors
   • Anyone with three or more lapsed certificates with Royal Neighbors
3. Use the POS Agent Worksheet: Complete Form 2416-A to prepare for the phone interview and reduce delays.
4. Review Medical Questions: Use Section 6 of the application (Form 231115 or state-specific versions) along with the Risk Assessment Guide.
5. Disclosure Documents: If meeting in person, provide the applicant with the Information Release Notice (Form 231115-INFO or FL version 231115-INFO-FL) and all other required disclosures, including Replacement and Accelerated Death Benefit Rider forms.

If there are any questions regarding medications, eligibility, or the pre-qualification checklist, agents should call Underwriting at (309) 788-4561, Option 1, Option 1, Option 1.

Certificate Delivery

All insurance certificates will be mailed directly to the certificate Owner.

Reinstatement

To reinstate a lapsed certificate, the owner must pay all past-due premiums necessary to bring the policy current. Requirements and procedures for reinstatement are defined in the Insurance Certificate.

Re-date Policy

A re-date updates the certificate’s effective date to a new current date, with premium payments beginning as of the new date. Royal Neighbors allows one re-date per certificate, and only within the first 60 days after issue. Submit re-date requests to the Underwriting Department at (309) 788-4561, Option 1, Option 1, Option 1.

Acceptable Ownership and Primary Beneficiary Designations

Royal Neighbors of America requires that both policy ownership and primary beneficiary designations meet insurable interest standards. The table below provides general guidance for agents on what combinations are acceptable, what to expect during the application process, and what underwriting may require for approval.

Note: Some unusual relationships (e.g., friend, aunt, bank) may require contingent beneficiaries and additional justification of insurable interest.