Issue 2 2015 - Royal Neighbors of America

WOMEN IN
LEADERSHIP
Jody Farley-Berens
Singles Out Single
Parents with Cancer
Who's at Your
Dinner Table
Tonight?
Millennial Couple
Learn Valuable
Money Lessons
The "4-1-1"
on Cervical
Cancer
A Message from the President/CEO
We all have our own definition of a hero. Mine is someone who goes above and
beyond to make a difference in her or his own corner of the world. With that definition
in mind, Royal Neighbors can unequivocally boast of thousands of heroes!
Jody Farley-Berens featured on our cover is a true hero – a CNN Hero to be exact.
The news program honors individuals who make extraordinary contributions to
humanitarian aid and make a difference in their communities. As founder of Singleton
Moms in Scottsdale, AZ, Jody gives her heart, time, and talents to help single parents
who have cancer. As she and her many volunteers perform everyday tasks for families
affected by this disease, they demonstrate their own special brand of heroism. Read
about Jody (also a Nation of NeighborsSM recipient) and her passion for reaching out to
others on pages 6 and 7.
We, too, can be heroes to our families by taking care of our health. The more attention we pay to
our eating and exercise habits as well as preventative care, the more likely we will be part of our
loved ones’ lives for many years to come. Learn about the importance of screening for cervical
cancer on page 9.
When was the last time you and your family sat down at the dinner table to share a meal
together? It was a very memorable part of my life growing up and I still believe it’s a tradition we
should bring back or continue more frequently. I know it can be difficult with schedules that take
each family member in a different direction, but it’s important to connect on a regular basis and
keep up with what’s going on. Ships passing in the night rarely have much communication! You’ll
get some further thoughts on the subject on page 8.
I also would like to encourage you to vote in this year’s election for our board of directors. We
have three impressive directors up for re-election by our adult beneficial members of the Society.
Just as in city, state, and national elections, it’s important to let your voice be heard. You’ll find
more election information on the back cover of this issue.
Whether we’re casting a vote, taking care of our health and our families, volunteering for
our favorite causes, or doing our daily jobs, we quite often discover heroes in the most
unlikely places.
That’s because a hero doesn’t always have to be the person making the biggest splash in the
biggest pool. A hero can be the person who is making a small but very significant difference right
in her or his own backyard.
I hope you enjoy these summer months, and when you notice your kind of hero in your midst,
stop and say “Thank you. Keep up the good work.”
Home Office: 230 Sixteenth Street, Rock Island, IL 61201-8645
Contact Us: Monday – Friday: 8 a.m. – 5 p.m. Central Time
Toll-free:
(800) 627-4762
Local Quad Cities: (309) 788-4561
www.royalneighbors.org
Cynthia A. Tidwell
CONTENTS
Help is Available to Members Affected
by Storms in Oklahoma and Texas
We are here to help members who have been
affected by the storms and floods in Oklahoma
and Texas. If you have difficulty making your
insurance payments or need additional time to
complete a reinstatement, please contact the
Home Office. We will accommodate you until
Aug. 3, 2015, but may extend this time based
on personal circumstances. Beneficial members
may also qualify for our Fraternal Aid Program
that grants financial help to those who have
experienced extreme financial hardship as a
result of illness, accident, or natural disaster.
Call (800) 627-4762 for more information.
Board of Directors
Patricia Gibford, Chair
Estella Vallejo, Vice Chair
Cynthia Tidwell, President/CEO
Julie Bauer
Marla Glabe
Patricia Jones
Financial Solutions
4
On the Cover
6
Family Life
8
Healthy Living
9
Royal Neighbors Foundation
Good to Know
Promise Plus
10
11
12
Millennial Couple Learn Valuable
Money Lessons
Jody Farley-Berens Singles Out
Single Parents with Cancer
Who's at Your Dinner Table?
The "4-1-1" on Cervical Cancer
Dr. Veronica Jordan
Ruth McGregor
Suzanne Riesterer
Chris Seistrup, Executive Vice President
@RoyalNeighbors
Jodii Zimmerman, Editor-in-Chief
Rita Toalson, FLMI, ACS, Managing Editor
Linda Earnest, Graphic Designer
VISIT US AT
www.facebook.com/
RoyalNeighborsofAmerica
Cover photo compliments of CNN.
A fraternal benefit since 1900, The Royal Neighbor magazine exemplifies the values of our Society by providing members useful,
stimulating information and a forum for connecting throughout the country.
The Royal Neighbor (ISSN 0035-905X), Issue 2, June 2015, is an official publication of Royal Neighbors of America. Published quarterly. Office of publication at 230
Sixteenth Street, Rock Island, IL 61201-8645. Periodicals postage paid at Rock Island, IL, and at additional mailing offices. POSTMASTER: Send address changes to The
Royal Neighbor, 230 Sixteenth Street, Rock Island, IL 61201-8645. Members: Send former and new address to Customer Support, 230 Sixteenth Street, Rock Island, IL
61201-8645.
It is not intended that articles express views held by Royal Neighbors of America or its financial representatives, nor is it legal or tax advice.
$
Financial Solutions
Millennial Couple
Learn valuable
money lessons
You can learn a great deal about people from their
resumes. Brittany and Jamie Robbins read between the
lines and gained a valuable life lesson. While in their
20s (both are now 30) the married couple discovered
firsthand how many men and women were forced to
work in their 60s and 70s because they did not have
enough money to retire.
“We both do hiring for our companies, and the amount
of resumes we saw from people who were near or
past retirement age was really frightening,” said
Brittany. “Most of the people were smart, hardworking
individuals; they simply thought they would have more
time to save up. Then when the market crashed and they
were laid off, they were left without a backup plan. We
saw ourselves starting to go down that path. We had
a little money set aside for retirement, but there was
always a home appliance that needed to be replaced, or
paint that needed to be updated. It was tricky to justify
saving for something so far off when there were things
that needed attention right away, but then we realized
there will ALWAYS be something no matter how many
things we check off the list.”
Now Brittany and Jamie are firm believers that you
should always pay yourself first when it comes to saving
for the future. Jamie has a portion of his paycheck go into
a 401(k) and a high-yield savings account. They also carry
whole life insurance on each of their lives.
Whole life, also referred to as permanent life insurance,
can be a good choice for Millennials for a number
of reasons:
• Premium payments are less expensive when
purchased at a younger age.
• It provides coverage for an individual's entire life at
fixed, cost-effective rates.
• It will accumulate guaranteed cash value and, if
needed, can be used as a loan.1
• Death benefits are guaranteed as long as premiums
are paid.
Whether it’s purchasing life insurance or saving for
retirement, when it comes to planning for the future,
the Robbins are not unique. According to an article on
CNN Money, and a statement by Catherine Collinson,
president of the Transamerica Center, Millennials have
heard and responded that they need to start saving as
much as possible and start the process sooner.2 The
strategy pays off. If a 25-year-old woman saves $100
a month for 40 years with an annual return of 5%, by
the time she reaches age 65 she will accumulate nearly
$150,000. If she waits until she is 35 to start the same
process, she will need to double the amount she puts
aside to achieve the same savings result.3
Millennials are learning from the mistakes of their
Generation X and Baby Boomer predecessors, but
the topic of money is still a sensitive one. Although
numerous discussions take place when planning a
"I would rather we both have a good work/life
balance than an Audi in the driveway."
wedding and reception, a dialogue about real-life issues
about the day-to-day reality of married life such as
budgets, a savings plan, spending styles, and preparing
for retirement are often avoided. Before they married,
Brittany and Jamie were mostly silent on financial topics.
“We didn’t really talk about money until we moved into
an apartment together,” said Brittany. Even at that point,
the conversations were very light. We decided how we
were going to split the bills, but we only discussed saving
when it came to big, fun purchases like vacations. It
wasn’t until we started discussing buying a home (and
what I thought was a far-off engagement) that the
conversations got deeper. At that point, I think the reality
of ‘adult’ bills and responsibilities set in.”
What changed?
“I suppose we took a note from the quote, if you fail to
plan, you are planning to fail,” said Jamie. “We had seen a
lot of marriages fall apart because of money issues, and
we wanted to make sure we started out our lives on the
best foot possible.”
When asked if they thought it was more helpful to have
the “money talk” before marriage, or best to just let it
develop over time, both Brittany and Jamie opted with
the former.
“I think the ‘money talk’ is something that really needs to
happen before the first official pin goes into your wedding
planning board,” said Brittany. “Granted, your opinions on
finances are bound to evolve, just like your marriage, but
it’s nice to know the expectations. For example, I knew
that I was going to have to give up my $200 salon visits
(oh, how I miss them!) when we decided to buy a house
and send me back to college, but Jamie also knows that
I expect them to come back at some point. In the same
respect, he knows that I would rather we both have a
good work/life balance than an Audi in the driveway. I
can’t say that we never argue about money, but having
discussed those expectations early on, I’m confident
we’ve avoided a lot of frustration.”
Jamie points out that delaying immediate gratification in
lieu of providing for a more stable and secure future pays
its own dividends.
“It may not have been fun to be the only couple staying
behind during the college Spring Break blowouts, but the
fact that we’re not working overtime to pay for our past
mistakes has made it more than worth it!”
Like any loan, interest will be charged. An outstanding loan will reduce the death benefit if not repaid in full or the cash value if the
certificate is surrendered for cash.
2
CNN Money, website, Millennials are saving for retirement at a much earlier age, Melanie Hicken,
http://money.cnn.com/2014/05/02/retirement/retirement-millennials/index.html, pdf on file.
3
ibid
1
5
Jody
Farley-Berens
Singles out
Single Moms
(and dads)
with Cancer
Jody Farley-Berens and a staff member
What do you do when you watch your
best friend battle cancer as she raises
four young children as a single parent? If
you are Jody Farley-Berens, a member of
Chapter 20075, Mesa, AZ, and a Nation
of NeighborsSM recipient, you start a
non-profit organization to help single
parents who have been diagnosed with
cancer. Not only that, but you name
the non-profit Singleton Moms in honor
of your friend. Jody has recently been
named a CNN Hero in honor of the work
she does to help struggling families.
6
How did you start Singleton Moms?
It was very eye-opening to watch my friend, Michelle
Singleton, cope with cancer while taking care of her family.
I knew there were single parents out there and I knew there
were people with cancer. But I didn’t think about putting
those two together until I saw what she was going through.
I tried to help as much as possible, and six months after
her death, I realized there were more people like her who
needed help. That’s how Singleton Moms was born nine
years ago in my kitchen.
I have a very tenacious spirit which seems to be a driving
force for me. I did a lot of research online with the idea of
helping one person at a time. I called the American Cancer
Society and oconology units and explained what I wanted
to do with my friends and family. We originally started out
just wanting to adopt a single mom with kids and cook
their meals and pool some money together to help pay her
co-pay. Within 24 hours we had four names. We narrowed
it down to one and we helped her for about six months
until she passed away. At that point, it was very clear to me
that this was a huge need in our community. It was time to
form a non-profit. Since we started Singleton Moms, we’ve
helped more than 300 families with a total of over a 1,000
kids who have been impacted by the program.
Who has been the biggest influence in your life?
My mom has always been there for me letting me know
that I can do anything I want to do. She went into nursing
as a labor and delivery nurse 40 years ago and has always
been hard-working and passionate about what she does.
When I first talked to family and friends about starting
Singleton Moms, they were skeptical. Singleton Moms
mission is so unique that most people wondered if there
were really enough people who needed this kind of help.
There just wasn’t a lot of support in the beginning and
not many cheerleaders, but my mom always was. She has
just been an all-around wonderful influence on me and I
appreciate her.
best, it’s important to hear all the different points of view
and then make the right decision. It’s not always the fastest
way to do things but I feel in the end, the results are solid.
Everyone who is part of that process then feels like they
have some ownership in it and they know the decision was
made thoughtfully from input from the group.
Who do you admire as leaders?
Ellen DeGeneres is fantastic because I think she is so
serious about positively impacting people’s lives and doing
it in a way that feels good and authentic. I have a personal
motto, “Fun is not a luxury. It is a necessity.” We all need
it in our lives and Ellen seems to live and lead by that
philosophy. People just gravitate towards her. I think it’s
great that she has chosen to use her celebrity in such a way
that she is leading by example and showing people to be
kind to others and have some fun while doing it. I admire
her very much for her genuineness. She is who she is and
doesn’t apologize for it.
What is a CNN Hero?
CNN chooses 20-25 people around the world each year
who are doing something unique for their communities
and filling a need that otherwise isn’t being met. Our
story aired on CNN in April 2015 and in October, CNN
executives will choose the top 10 "Heroes" who will go to
New York for an awards ceremony hosted by Anderson
Cooper. A CNN Hero of the Year will then be chosen and
will receive $100,000 for her/his favorite charity.
What did the Nation of NeighborsSM award mean to you?
It was quite an honor. Any time someone finds something
special in the work we’re doing, I feel so blessed. The grant
was really significant because it allowed us to expand
and purchase commercial freezers to keep meals for
our families and purchase more daily necessities. It also
allowed me the opportunity to get out in the community
to spread more awareness and find more groups and
organizations that wanted to help us.
What are the characteristics of a good leader?
Leaders have to be passionate about their mission
and the goals they’re trying to achieve. It can’t be just
a job because without passion, it’s hard to motivate
others to help you accomplish those goals and grow
a mission. Leaders know how to listen and are open
to others’ opinions. When people feel heard and
appreciated by their leaders, they’re usually more
excited to succeed and work hard to reach the goals.
Good leaders understand that nothing can be achieved
by one person alone.
Steve Jobs was incredible and so smart beyond his years
here on earth. He was quoted as saying, “The people who
are crazy enough to think they can change the world are
the ones who do.” I stand behind that statement. Don’t be
afraid to lead the charge for a new idea. New ideas don’t
have to be complex. Many people stop themselves saying,
“Oh, that would be cool to do but I’m sure it’s been done
before or it’s too simple.” I think sometimes the simplest
ideas are the ones that are the most overlooked but they
can oftentimes be the most impactful. Really great things
can happen when you take a leap of faith.
The Crew
What’s your leadership style?
Collaboration is really important to me. Every
Singleton Moms family is different and every
volunteer’s time is different. The world is very diverse
and in order to make decisions that serve our families
Photos compliments of CNN.
Go to www.cnn.com/2015/04/16/health/cnnheroes-farley-berens/index.html to learn more about Jody and the CNN Hero Program.
7
Family Life
Who’s at Your Dinner Table?
There was a time when almost every family gathered
around the dinner table each and every night and shared a
meal together. It was an expectation – the entire family was
present. Today, that dinner table is shrinking or, sometimes,
nonexistent.
Many families still have the luxury of enjoying this age-old
tradition. However, life for others is moving at the speed
of sound and a meal with more than one person at a
time is a rarity. The culprit? Parents often work two jobs
and/or different shifts; teenagers are working and/or
participating in extracurricular activities such as
sports, music, and volunteer projects; young
children are spending time with friends; senior
members of the family frequently require
special care; and the day-to-day logistics
of managing a household take time
and energy.
The family dinner can get the family
together and also keep it together.
It’s easy to talk about rearranging your life
to make time for at least one family meal per
week, but doing it is another matter entirely.
Here are some ideas that should help the family
enjoy special dinners (or Sunday breakfasts for
that matter).
Introduce new foods. Family meals are a great opportunity
to serve foods that some family members have never tried.
As you experiment, a whole new world of taste might open
up for everyone, especially children.
Turn off the television, phones, iPads, etc. It’s difficult to carry
on meaningful conversations when the nightly news is on or
the kids have their head bent over a computer screen.
Take advantage of the opportunity to teach. Family
dinners are a great place to teach young children
table manners in a relaxed atmosphere.
The family
dinner can
get the family
together and
also keep it
together.
Hold a family meeting. Find a time that’s convenient for
everyone to discuss the notion of the family dinner (it may
be an entirely novel concept for some). This is the time to
sort out who does what when and when the dinners can
actually be scheduled.
Suggest everyone takes a turn choosing the menu or dinner
theme and cooking the meal. Or, cook the entire meal as a
8
family, with each one making one dish. Be sure to divide the
clean-up duties equitably!
Have a conversation. Talk about the day’s
happenings. Plan upcoming vacations and
weekend get-aways. Share funny stories and
jokes. Discuss current events. Encourage
everyone to participate, while at the
same time, fostering the importance of
active listening.
Keep discipline issues at a minimum. Family
dinners should be fun.
Invite friends. Although these get-togethers are
technically “family” meals, invite friends occasionally.
Company makes dinners extra-special and it provides
parents the opportunity to get to know their children’s
friends, and the children the chance to interact with adults
in a “grown-up” setting.
The goal of the family dinner is to enjoy each other and
share a good meal…on a regular basis. Revive the lost art
and get to know each other again!
Healthy Living
Here’s
the
on
“4-1-1”
Cervical Cancer
Reprinted with permission from the Centers for Disease Control and Prevention
The more information we have on a subject, the better
able we are to discuss it, manage it, and/or act on it. It is
especially important to have all the facts about matters
that relate to our health. Women, and those who care
about them, are encouraged to get the “4-1-1” on
cervical cancer.
More than 12,000 women get cervical cancer every year,
but up to 93 percent of cervical cancers are preventable.1
What is Cervical Cancer?
When cancer starts in the cervix, it’s called cervical
cancer.2 Almost all cervical cancers are caused by human
papillomavirus (HPV). HPV is so common that most
women get it at some time in their lives, but because it
usually has no symptoms, they may not know they have it
unless they are screened. HPV often goes away on its own,
but if not, there is a chance that over time, it may cause
cervical cancer.3 Early on, cervical cancer may not cause
signs and symptoms, but if it is advanced, it may cause
bleeding or discharge from the vagina.4
Cervical Cancer Risk Factors
• Smoking
• Having HIV
• Using birth control pills for five years or more
• Having given birth to three or more children3
Screening
A Pap (Papanicolaou) test, which screens for cervical
cancer, is recommended for all women between the ages
of 21 and 65. This looks for precancers, cell changes on the
cervix that might become cervical cancer if not treated
properly. This test is one of the most reliable and effective
cancer screening tests available.5
For women 30 years old or older, an HPV test can be
performed along with the Pap test. This looks for the virus
that can cause these cell changes. Even if the tests are
normal, regular check-ups are recommended.5
Treatment
• Surgery: Doctors remove cancer tissue during
an operation.
• Chemotherapy: Using specific medicines can shrink
or kill the cancer. The drugs can be pills you take or
medicines given in your veins, or sometimes both.
• Radiation: High-energy rays (similar to X-rays) can kill
the cancer.6
Medical Team
• Gynecologic oncologists are doctors who have been
trained to treat cancers of a woman’s reproductive
system.
• Surgeons are doctors who perform operations.
• Medical oncologists are doctors who treat cancer
with medicine.
• Radiation oncologists are doctors who treat cancer
with radiation.6
Be a hero to yourself and your family by doing
everything possible to stay healthy. Be sure you
have a trusted medical provider with whom you feel
comfortable and see on scheduled visits. Follow her/
his advice about medical tests and screenings.
The content of this article is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the
advice of your physician or qualified health provider with any questions you may have.
1
http://www.cdc.gov/vitalsigns/cervical-cancer/index.html 2 http://www.cdc.gov/cancer/cervical/index.htm
3
http://www.cdc.gov/cancer/cervical/basic_info/risk_factors.htm 4 http://www.cdc.gov/cancer/cervical/basic_info/symptoms.htm
5
http://www.cdc.gov/cancer/cervical/basic_info/screening.htm 6 http://www.cdc.gov/cancer/cervical/basic_info/diagnosis_treatment.htm
9
Royal Neighbors Foundation Webinar
Offers Tips About Managing Your Social Security
Social Security Benefits for Women:
Everything You Wanted to Know About
Social Security but Didn’t Know to Ask
Whether we have a million dollars or a few hundred, we
still have to know how to manage it. Money, however we
choose to spend it, is an important part of our daily lives.
The mission of the Royal Neighbors Foundation, Building
Women’s Futures Through Financial EducationSM, drives
home just how crucial it is to Know Your Worth®.
Sponsoring a wide variety of financial webinars that
educate, inform, and inspire, the Foundation is committed
to providing information women need in today’s
fast-paced world. The most recent webinar is “Social
Security Benefits for Women: Everything You Wanted
to Know About Social Security but Didn’t Know to Ask”
and features Lauren Lyons Cole, Certified Financial Planner.
Watch it at www.royalneighborsfoundation.org/ss.aspx.
Social Security is an important benefit, especially for
women. It is never too early to start understanding Social
Security benefits for both you and your loved ones. The
more you learn now, the better prepared you will be in
the future.
In addition to the webinars posted at
www.royalneighborsfoundation.org, the Foundation also
Watch it at:
www.royalneighborsfoundation.org/ss.aspx.
provides valuable online tools, including calculators that
can help determine savings, retirement, and investment
objectives.
These tools not only educate women, but motivate them
to review and understand their situations and do what it
takes to secure their financial futures.
By making a tax-deductible donation to the Foundation,
you and your chapter have the opportunity to have an
impact on the financial success of women. It’s easy and it
will make a difference. Donations can be sent to the Royal
Neighbors Foundation, at 230 16th Street, Rock Island, IL
61201.
Let’s continue to follow our founders’ lead by empowering
women to know their worth!
For more information about the Foundation, call
(800) 537-1396.
The material provided in the Royal Neighbors Foundation’s financial webinars and online tools are for informational purposes only and
do not constitute tax or financial advice. Individuals should contact their financial professional for assistance.
Thank you for the donations to the Royal Neighbors Foundation • Mar. 1, 2014 - May 22, 2015
10
Chapter 8753, Hillsboro, OR - $300
Chapter 553, Monticello, IA - $75
Chapter 1228, Rexford, KS - $50
Chapter 5146, Grasston, MN - $200
Chapter 1373, Atlantic, IA - $75
Chapter 9500, Oroville, WA - $25
In honor of the Grasston Chapter
In appreciation of Mary Lou Barnett,
Chapter 76, Brooklyn, WI - $150
Royal Neighbors Integrated Marketing
Dept. - $60 In memory of George Schwartz
Chapter 179, Watseka, IL - $100
Chapter 30, Sterling, IL - $50
Chapter 2184, Rapid City, SD - $100
In memory of Mary Estrada
Chapter 20073, Lincoln, NE - $100
Chapter 1132, Kennard, NE - $50
In memory of all deceased members
Chapter President
Good to Know
Do You Know Someone with a Dream?
If you know someone who could reach a goal, realize a dream, or make
a difference, submit a nomination to the 2015 Nation of NeighborsSM
Program. Deadline for this significant grant program is July 31. More
than $1.7 million has been awarded to help empower women since
2007. Go to www.royalneighbors.org/NofN for complete program
guidelines and to submit an online nomination form.
Royal Selfie Contest 1-2-0 Winner
Molly Klag, of Chapter 20039, Davenport,
IA, is the winner of our Royal Selfie
Contest 1-2-0! In recognition of our
120th anniversary, we requested that our
members’ selfies include some type of Royal
Neighbors identification. Molly's selfie received the
most “likes” on the Royal Neighbors Facebook page,
therefore earning her $250 which will be donated to
her favorite charity. Brenda Murphy, Chapter 139, Sauk
City, WI, received Honorable Mention for her picture.
$100 will be given to her charity of choice. Go to
www.royalneighbors.org/Facebook to see all the selfies.
They’re great!
INSURANCE SPEAK
DEFINITION: Whole Life Insurance is permanent
insurance that provides a death benefit over the insured’s
entire lifetime as long as the required premiums are paid.
It builds cash value over time and premiums remain level
throughout the insured’s life.
Household
HINT
Put two or three new tennis balls in
the dryer on low heat for 10 minutes
to fluff up comforters or pillows.
CYNTHIA TIDWELL SPOTLIGHTED
ON LIFETIME TELEVISION®
Cynthia Tidwell, President/CEO,
shared her knowledge about women
and life insurance with a nationwide
audience during “The Balancing Act®”
airing on Lifetime Television®. Watch
her segment entitled “Know Your Worth: Empower Your
Future” at www.royalneighbors.org/BalancingAct.
QUOTE OF THE QUARTER
“How important it is for us to
recognize and celebrate our
heroes and she-roes! ”
~Maya Angelou
6 slices chopped bacon
½ cup chopped onion
2 16-oz. cans pork and beans
½ cup brown sugar
¼ cup pancake syrup
1 tsp. Worcestershire sauce
1 tsp. mustard, optional
Cook bacon and onion in non-stick pot until bacon is
done. Drain pork and beans of all juices. Add beans to pot
at medium heat with syrup, brown sugar, Worcestershire
sauce, and mustard. Bring to a boil and reduce to low
heat to simmer. Add additional brown sugar and syrup to
taste. Let stand for a few minutes before serving.
~Michelle Hilliker, Chapter 20081, Blue Grass, IA
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A PROMISE TO YOUR FAMILY
Caring for your loved ones is your top priority. But that
means caring for yourself, too.
If you receive a cancer diagnosis, you will want to focus on
your recovery and your loved ones, not how to keep your
life insurance coverage in force.
Promise Plus, Royal Neighbors’ patent-pending, new suite
of products designed with women in mind, can help take
some of that worry off your mind. And, it can serve as a
promise to the important people in your life that your
attention will be centered where it should be…getting well
and spending time with them.
Promise Plus is permanent whole life insurance and a
Cancer Waiver of Premium Rider to benefit the insured
in the event of a diagnosis of Stage II or greater breast,
cervical, or ovarian cancer.
With Promise Plus coverage, two years of life insurance
premium payments are waived following a diagnosis of a
covered cancer for those under the age of 60.
Promise Plus is exclusively offered through Royal Neighbors
and represents 120 years of protection, empowerment, and
support of women and their families.
Call (866) 845-6665 or visit www.royalneighbors.org/PromisePlus to learn more.
Promise Plus is Essential Whole Life Insurance (Form Series 1314) + Cancer Waiver of Premium Rider (Form Series 2084). Certificates and riders are not
available in all states. Contractual provisions and limitations may vary by state. Subject to reinsurance and underwriting requirements.
RNA 0615A