Insurance
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Compare Our Low,
Low Rates. . .
(Sample Rates - Call or Write For Additional Plans and Quotes)
Rates Revised January 2013
Single Premium Our Most Popular Plan!
For the Single Premium Life plan, with one single payment the face amount of insurance is guaranteed
for life. The plan immediately becomes fully paid-up and no further premiums are paid. Cash values will accumulate for this plan.
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
0 $905.00 $2,255.00 $780.00 $1,935.00
10 $1,245.00 $3,105.00 $1,070.00 $2,660.00
20 $1,695.00 $4,230.00 $1,480.00 $3,685.00
40 $3,065.00 $7,655.00 $2,750.00 $6,860.00
60 $5,375.00 $13,430.00 $4,830.00 $12,060.00
for life. The plan immediately becomes fully paid-up and no further premiums are paid. Cash values will accumulate for this plan.
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
0 $905.00 $2,255.00 $780.00 $1,935.00
10 $1,245.00 $3,105.00 $1,070.00 $2,660.00
20 $1,695.00 $4,230.00 $1,480.00 $3,685.00
40 $3,065.00 $7,655.00 $2,750.00 $6,860.00
60 $5,375.00 $13,430.00 $4,830.00 $12,060.00
3-Pay Life Our New, Economical Plan!
For the 3 Year Payment Life plan, premiums are payable for a period of 3 years only. The plan becomes
fully paid-up at the end of 3 years and the face amount of insurance continues in force for the life of the member. Cash values will accumulate for this plan.
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
Annually: Annually: Annually: Annually:
0 $325.00 $805.00 $280.00 $685.00
10 $435.00 $1,080.00 $380.00 $935.00
20 $595.00 $1,480.00 $520.00 $1,285.00
40 $1,075.00 $2,680.00 $950.00 $2,360.00
60 $1,905.00 $4,755.00 $1,710.00 $4,260.00
fully paid-up at the end of 3 years and the face amount of insurance continues in force for the life of the member. Cash values will accumulate for this plan.
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
Annually: Annually: Annually: Annually:
0 $325.00 $805.00 $280.00 $685.00
10 $435.00 $1,080.00 $380.00 $935.00
20 $595.00 $1,480.00 $520.00 $1,285.00
40 $1,075.00 $2,680.00 $950.00 $2,360.00
60 $1,905.00 $4,755.00 $1,710.00 $4,260.00
20-Pay Life Affordable for Everyone!
For the 20 Year Payment Life plan, premiums are payable for a period of 20 years only. The plan becomes fully paid-up at the end of 20 years and the face amount of insurance continues in force for the life of the member. Cash values will accumulate for this plan.
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
Annually: Annually: Annually: Annually:
0 $81.17 $142.92 $77.70 $134.25
10 $98.35 $185.88 $87.70 $159.25
20 $121.29 $243.22 $109.70 $214.25
40 $220.80 $491.99 $196.40 $431.00
60 $445.47 $1,053.67 $382.20 $895.50
MALE MALE FEMALE FEMALE
Age at Issue $10,000 $25,000 $10,000 $25,000
Annually: Annually: Annually: Annually:
0 $81.17 $142.92 $77.70 $134.25
10 $98.35 $185.88 $87.70 $159.25
20 $121.29 $243.22 $109.70 $214.25
40 $220.80 $491.99 $196.40 $431.00
60 $445.47 $1,053.67 $382.20 $895.50
Endowment Insurance Ideal for Juniors
Endowment at age 18 or 20 year endowment plans are ideal for parents and grandparents wishing to give junior a start in adult life or help pay for junior’s education. The endowment lump sum becomes available at age 18 or at the end of 20 years (or on prior death). Cash values will accumulate for this plan. Not available in New York State. Premium rates for endowment at age 18 are the same for male and female.
MALE MALE FEMALE FEMALE
$10,000 $25,000 $10,000 $25,000
20 Year 20 Year 20 Year 20 Year
Age at Issue Endowment Endowment Endowment Endowment
Annually: Annually: Annually: Annually:
0 $366.30 $915.75 $362.40 $906.00
10 $395.20 $988.00 $391.00 $977.50
20 $426.40 $1,066.00 $421.90 $1,054.75
40 $496.80 $1,242.00 $491.60 $1,229.00
60 $578.40 $1,446.00 $572.30 $1,430.75
MALE & FEMALE MALE & FEMALE
$10,000 $25,000
Endowment Endowment
Age at Issue at Age 18 at Age 18
Annually: Annually:
0 $411.11 $1,027.77
4 $568.38 $1,420.94
6 $687.86 $1,719.64
8 $856.04 $2,140.10
10 $1,109.23 $2,773.07
MALE MALE FEMALE FEMALE
$10,000 $25,000 $10,000 $25,000
20 Year 20 Year 20 Year 20 Year
Age at Issue Endowment Endowment Endowment Endowment
Annually: Annually: Annually: Annually:
0 $366.30 $915.75 $362.40 $906.00
10 $395.20 $988.00 $391.00 $977.50
20 $426.40 $1,066.00 $421.90 $1,054.75
40 $496.80 $1,242.00 $491.60 $1,229.00
60 $578.40 $1,446.00 $572.30 $1,430.75
MALE & FEMALE MALE & FEMALE
$10,000 $25,000
Endowment Endowment
Age at Issue at Age 18 at Age 18
Annually: Annually:
0 $411.11 $1,027.77
4 $568.38 $1,420.94
6 $687.86 $1,719.64
8 $856.04 $2,140.10
10 $1,109.23 $2,773.07
Life Paid UP at 85 Plan
The Life Paid Up at 85 plan offers the highest amount of insurance for each dollar of premium of any plan which provides cash values and is offered by the RBO. Premiums are payable until the policy anniversary nearest the member's 85th birthday. Cash values will accumulate.
Annuity Plans
For the annuity plan, deposits may be paid at the discretion of the member. The member may choose a maturity date for the plan but it must be at least six years from the issue date and no later than the policy anniversary nearest the member's 85th birthday. The member may withdraw any portion of his or her account value at any time. In some cases the withdrawal may be subject to a surrender charge.
Accidental Death Benefit Rider
The Accidental Death Benefit rider pay a death benefit if death occurs as a result of accidental bodily injury. Premiums are payable to the earliest of the anniversary date nearest the member's 65th birthday and the end of the premium period for the plan to which the rider is attached. The rider is not available with the Single Premium Life or 3 Year Payment Life Plan.
Certificates of Deposits for Churches & Church Affiliated Organizations
are available in amount between $100 to $50,000 deposits per year. Deposits/Withdrawals can be made once a quarter.
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