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
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• 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 certifcate.

• Final Expense • For members age 50 to 85 last birthday
  • Whole life insurance with cash value
  • Limits for ages 50 to 75 are $5,000.00 to $25,000.00
  • Limits for ages 76 to 85 are $5,00.00 to $15,000.00
  • Easy, short application - The application contains only seven medical questions
  • Can be used to pay for burial expense or other final debts
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• 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 certificat 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 requiements 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 connvalescent home and has not been diagnosed or treated by a licensed medical doctor for AIDS o AIDS Related Complex"
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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

• Life Paid-up at Age 65
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• 20 Payment Life
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• 5 Year Renewable and Convertible Term Certificate for both male and female members in a minimum amount of $5,000 and maximum of $1,000,000

• 1 Year Renewable and Convertible Term Certificate for both male and female members ages 21 to 65, in a minimum of $25,000 up to a maximum of 1,000,000 with rates for smokers and non-smokers, male and female members

• New Horizon Plan Coverage for surviving spouse or single parent with benefits payable to child/children guardian
  

• Term to Age 80 Certificate with premiums less than whole life to maximize your coverage. Benefits include:
  • immediate monthly payment of$1,000 or $2,000 for 60 months
  • an initial lump sum payment of $15,000 with a lump sum of $5,000 1 year after death and $5,000 3 years after death
  • Allows the beneficiary the freedom to consider future horizons while providing immediate funds to the beneficiary to pay off debts, establish a cash fund, learn new job skills, improve education, enhance a career and increase self-sufficiency

• Level Term Plan - 10, 15, 20 and 30 year terms are available. At the expiration of the term the Member may convert to a one-year term certificate with rates adjusted annually
  

• 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 premanent plan of insurance without evidence of insurability at any time before the anniversary date following the Member's 25th birthday
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Royal Arcanum Annuity products offer safe, guaranteed, tax deferred earnings on your savings. Available product: Flexible Premium Deferred Annuity.

5.0% interest the first year on our 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
  

• Flexible Premium Deferred Annuity (FPDA) allows you to add to your account at your pace.
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• Single Premium Deferred Annuity (SPDA) features a one time deposit and makes the perfect gift for your child or grandchild.
  
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Advantages

• 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.

Toll free • 888-ARCANUM (888-272-2686) 617-426-4135 FAX • 617-426-2322

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