INSURANCE

To protect your home, family, business, and future.

Guaranteed Issue Whole Life Insurance

Help your loved ones during a difficult time with guaranteed life insurance coverage from Sir Winston Insurance Company.

No medical exams or health questions are required. If you are between newborn and 100 years of age, your acceptance is 100% guaranteed. It’s really that simple.

Guaranteed Issue Whole Life Insurance can help your family members pay for unforeseen costs such as:

• Funeral and burial expenses
• Unpaid medical bills
• Co-signed credit card debt
• Other financial burdens

• Guaranteed Acceptance — Your acceptance is guaranteed if you are between newborn and 100 years of age.

• No Medical Exams — You do not have to submit to a medical exam or answer any health questions to apply.

• Premiums Do Not Increase — Your policy premium will never increase as long as it is paid on time.

Term Life, Whole Life, & Universal Life Insurance

EXCLUSIVE MEMBER BENEFITS

• DENTAL DISCOUNTS*

Members save 5% to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns at over 176,000 participating dental access points.

• VISION DISCOUNTS*

Members save 20% to 40% off the retail price of eyewear, plus discounts on exams from more than 65,000 providers nationwide including independent optometrists, ophthalmologists, opticians, and leading optical retailers. Members save 40% to 50% off the overall national average cost for traditional LASIK surgery or receive
significant savings on newer procedures like custom bladeless (all laser) LASIK at more than 800 QualSight locations.

• LAB SERVICES DISCOUNTS*

The discount lab program from DirectLabs provides savings from 10% to 80% off blood and lab procedures at over 3,000 facilities nationwide. Not available in HI, MD, NY, NJ, RI, or MA. ND, SD, and VT offer Specialty Lab testing only.

• LEGAL ACCESS PLANS–FAMILY LEGAL PROTECTION PLAN*
Members have access to a pre-qualified network of over 17,000 attorneys in all 50 states and U.S. territories who provide free and discounted legal services including consultations to help analyze legal issues, strategies, and options, and recommend a course of action.

• PRESCRIPTION DRUG DISCOUNTS*

Members have access to average savings from 15% to 60% off generic drugs and from 15% to 25% off brand name prescriptions at over 60,000 participating MedImpact
pharmacies nationwide.

• IMAGING DISCOUNTS*

US Imaging is a premier diagnostic imaging program that provides savings from 10% to 60% on advanced imaging costs for MRI, CT, and PET scans at over 2,400 freestanding radiology facilities throughout the U.S. Not available in HI, VT, and WY.

• RETAIL BENEFITS*

This eCommerce portal and shopping assistant directs members to over 4,000 leading merchants where they can earn between 1% to 40% cashback just for shopping online.

• HEARING AIDS AND SERVICES*

Save on hearing aids, as well as a 30% discount on diagnostic services, which includes hearing exams at over 2,700 locations.

ALSO INCLUDES:

• PERKS AND DISCOUNTS

• LIFE LINE SCREENING

• SCHOLARSHIPS

• FRATERNAL AID

• VOLUNTEER OPPORTUNITIES

• VOTING PRIVILEGES

Member benefits are provided at the discretion of the provider and are not available in all states. They are not part of any insurance or annuity contract and are not guaranteed.
*The health discount programs are not insurance and not intended to replace health insurance. Please see Royal Neighbors membership guide or website for full disclosure.
*Services administered by Careington International Corporation