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One of the benefits as well as requirements of membership in Royal Arcanum is that every Adult member shall have a minimum of $1,000 Life Protection, subject to underwriting requirements, in any one of several easily understood and comprehensive Whole Life or Limited Payment Plan Certificates, designed to fit the member's particular needs.

Whole Life Plans

Whole life plans are permanent protection for your loved ones that build cash value each year.

  • Whole Life Certificates of Protection for male and female members, both Adult and Junior in a minimum of $5,000 and a maximum of $1,000,000
    View Brochure (requires Adobe Acrobat Reader plugin)

    Special Senior Certificate of Protection for $1,000, for male and female members ages 50 to 69 (last birthday).

  • Special Whole Life Certificate of Protection for $1,000 for male and female members ages 25 to 49 (last birthday)

  • Single Premium Whole Life This plan provides for a one-time payment for a whole life certificate.

  • Simplified Issue/ Final Expense
    • For members age 20 to 85 last birthday
    • Whole life insurance with cash value
    • Limits for ages 20 to 75 are $2,500.00 to $25,000.00
    • Limits for ages 76 to 85 are $2,500.00 to $15,000.00
    • Simplified application contains only seven medical questions
    Maximum Issue age may vary depending on states
    View Brochure (requires Adobe Acrobat Reader plugin)

    Graded Death Benefit Guaranteed Issue Plan
    • For members age 40 to 85 last birthday
    • Whole life certificates with cash value
    • Limits $5,000 to $15,000
    • If death occurs within the first certificate year the premiums are returned, in the second certificate year 50% of the face amount is paid, in the third certificate year 75% of the face amount is paid and death in the fourth certificate year the full face amount is paid
    • Each policy has an accidental death benefit clause included which provides that if death occurs in the first accidental bodily injury the death benefit will be increased to the full amount
    • Medical requirements are very limited. The application only contains a statement that the member is "not now confined to a bed, or in a hospital, clinic, rest or convalescent home and has not been diagnosed or treated by a licensed medical doctor for AIDS or AIDS Related Complex"

    Note: Details of this plan vary by state of residence. Please check with the Home Office for details of this plan in your state.


Limited Payment Life Plans

In a Limited Payment Life Plan Certificate, the face amount of the Certificate is payable to a beneficiary upon the death of the member. Payments the member is required to pay are limited to a maximum period indicated in the title of the plan.

The Limited Payment Plans offered for the member's selection have a minimum of $3,000 and a maximum of $1,000,000 and are:

Term Life Plans
  • Term to Age 25 Certificate and Rider • For Juniors age 0 to15 years 11 months
    • Issued in $5,000 increments from $5,000 to $25,000
    • Reasonable cost ranges from $10 a year to $34 a year (annual mode only)
    • Convertible to a permanent plan of insurance without evidence of insurability at any time before the anniversary date following the Member's 25th birthday
    View Brochure (requires Adobe Acrobat Reader plugin)
Annuity Plans

Royal Arcanum Annuity products offer safe, guaranteed, tax deferred earnings on your savings. Available product: Flexible Premium Deferred Annuity.

  • 6 Year declining surrender charge
  • 10% penalty free annual withdrawal available
  • Tax deferred until withdrawal
  • $500 minimum deposit
  • No service charges
Approved for Traditional or Roth IRA’s in some states.


  • The proceeds of these Certificates, issued by a fraternal society like Royal Arcanum, are not subject to attachment, execution, bankruptcy or liability for the debts of the member, and therefore, cannot be diverted or taken from the persons or beneficiaries they are designed to help.
  • Participation in all distributions of surplus and non-forfeiture value.
  • Other attractive features* such as:
    • Settlement Options
    • Discounts on Certificates $5,000 and over
    • Double Indemnity
    • Waiver of Assessments
    • Loans on Certificates
    • Cash Value
    • Paid-up Protection
    • Guaranteed Insurability Purchase Option Rider
    • And many more.

States Licensed

District of Columbia
New Hampshire
New Jersey
New York
N. Carolina
South Carolina
Rhode Island



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