INSURANCE AGENTS
Royal Neighbors
Royal Neighbors offers Final Expense, Jet Term, and Single Premium Whole Life, and other products. Royal Neighbors policyholders become members of Royal Neighbors with membership benefits. The benefits include Health and Wellness discounts, Fraternal Aid, Nation Of Neighbors program, Legal Services and Retail benefits, membership magazine, and multiple scholarships for students.
Royal Neighbors has become very good for both face to face and over the phone sales.
If you are a phone sales agent, Royal Neighbors takes the application for you and there are no forms for you to send in. It is a 25 minute phone call. No ht/wt charge.
Face to Face sales requires an underwritten phone interview at point of sale.
True social security billing and pays commissions on policy approval.
Final Expense:
Jet Whole Life:
Simplified Issue:
Ages 50 to 80
Minimum Amount: $5,000
Maximum Amount: $30,000
Graded Death Benefit:
Ages 50 to 80
Minimum Amount $5,000
Maximum Amount $10,000
3-Year Graded
Accelerated Living Benefit Rider: Available for Simplified and Graded plans.
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Benefit includes Chronic Illness, Critical Illness, and Terminal Illness
Ages 0 to 80
Amount $25,000 to 5M
Can be simplified or fully under-written
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0-17 $10,000-$49,999 simple underwriting
18-50 $25,000-$500,000 simple underwriting
51-60 $25,000-$250,000 simple underwriting
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If have an older and healthy client, they could qualify for super-preferred rates up to 5M when fully underwritten.
Jet Term:
Ages 25 to 60
Amount $50,000 to Maximum $5M
Cost-effective coverage for 15,20, 30 yrs
Convertiable to WL policy with a minimum of $10,000 cash value.
Once term ends, tolls into an annual renewable term where premiums will go up.
Riders:
Total Disability Waiver of Premium
Accelerated Living Benefit
Accident Death Benefit
Cancer Waiver
Child Term
Guaranteed Insurability