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A member of LifeMark Partners
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Traditional Annuities
Company Royal Neighbors
Product Royal Choice
AM Best Rating A-
Guarantee Period 6 Year(s)
Premium Bands $7,500      
1st Year Rate 3.00%      
Rate Year 2 - end of guarantee period 3.00%      
Average Yield to end of Surrender Period 3.00%      
1st Year Bonus N/A      
Interest Rate Notes
Rate Lock 35 Days from the Actual Date of the Rate Change
Maximum Premium $300,000 without prior home office approval
Minimum Premium $7,500
Premium Type Single
Minimum Additions Add any amount for first 90 days at initial interest rate!
TSA Loan Provision No
Minimum Contractual Interest Rates 3.00%
Maximum Issue Age 16-85
Surrender Charges as a percentage of Account Value by Year 6 Years  8.5%,7.5, 7,6,4,2,0
Surrender Charge Notes
MVA No
Window No
Free Withdrawals Accumulated Interest
Surrender Charge at Death Yes, but Only if the owner and annuitant are different AND the owner is over 75.
Nursing Home Surrender Charge Waiver No
Terminal Illness Surrender Charge Waiver No
Unemployment Surrender Charge Waiver No
Annuitization Waiver No
Action at end of Term None
Comments 3.00% Lifetime Minimum guarantee! 6 year surrender. 4.75% commission to age 75.

Commission Schedule
4.75%
2.45%

00-75
76-85

Commission Notes
Product Availability by State Not Available in AL AK HI LA NH NY SC VT
Incentives & TripsRoyal Neighbors has Incentive Promotions to View
New Business Forms Click Here
Contracting Forms Click Here
Client Sales Literature Royal Choice Client Sales Literature
Agent Sales Literature
Royal Choice Agent Sales Literature
VitalSigns - Company Financials Click Here    
Company News Announcements
Royal Neighbors is dropping rates 25bps. Royal Choice 1yr is holding steady at 3.00%. eff 9-1-10
Request an Illustration Click Here
Print this Chart Click Here  

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