Royalty Management & Consulting Group LLC
The Forgotten
Benefit™
A Benefit That Lasts a Lifetime.
Most employees lose their life insurance when they leave their job.
We help employees secure permanent, portable protection that stays with them — no matter where life takes them.
This Benefit Is
No Cost
to Employers.
Voluntary
Employee-Paid
Easy to Offer
Help Your Employees. Strengthen Your Business.
Financial stress impacts productivity, retention, and morale.
We provide solutions that make a real difference.
Guaranteed Issue
No Underwriting · No Health Questions · No Medical Exams
Guaranteed Acceptance!
Our Program
The Forgotten Benefit™ Program
A comprehensive approach to financial protection and retirement stability.
Permanent Protection
Employee-owned life insurance that builds cash value and lasts a lifetime.
Legacy & Dignity Planning
Help families prepare for burial expenses and leave a meaningful legacy.
Retirement Stability
Guidance on guaranteed income strategies with a focus on safety, stability, and principal protection.
Education & Enrollment
Employee education, voluntary benefits enrollment support, and ongoing financial wellness resources at no cost to your organization.
Recommended Coverage Amounts
20 & Under
$40,000
Start early. Lock in lifelong protection and build value.
21 – 40 Years
$30,000
Protect your future and your loved ones from rising costs and life's uncertainties.
41 – 64 Years
$20,000+
Ensure your family is protected and your legacy is secure.
65 & Over
Focus
Fixed Annuities & Guaranteed Income Solutions for retirement income stability.
Peace of Mind for Everyone
Guaranteed Issue
No Underwriting. No Health Questions. No Medical Exams.
Guaranteed Acceptance!
- No waiting periods for coverage to begin*
- Coverage cannot be canceled due to health
- Portable — take it with you wherever you go
- Builds cash value over time
- Options for every stage of life
*Subject to policy terms and conditions.
Backed By
New York Life
The highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies.
A++
Superior
A.M. Best
AAA
Exceptionally Strong
Fitch
Aaa
Exceptional
Moody's
AA+
Very Strong
Standard & Poor's
Source: Third-Party Rating Reports as of 10/04/2024
Education. Enrollment. Empowerment.
Built on Strength.
Backed by Trust.
Our solutions are offered through New York Life, one of America's most established and respected mutual insurance companies. Over 180 years of strength. Generations of trust.
We provide employee education, voluntary benefits enrollment support, and ongoing financial wellness resources at no cost to your organization.
Meet Crystal CountsClient Stories
Making a Real Difference
“Offering The Forgotten Benefit gave our employees real, portable protection — and it cost our company nothing. Enrollment was effortless.”
Carla S.
HR Director
“When I left my job I thought I lost my life insurance. Because of this program, my coverage stayed with me. That meant everything to my family.”
James T.
Former Employee
“Our team felt valued and educated. Crystal made the whole process simple, and employees asked great questions for the first time.”
Michelle B.
Operations Manager
“A no-cost benefit that actually changes lives. This is the kind of program that shows employees you care about their future.”
Derrick A.
Employee Benefits Sponsor
* Client names and details shared with permission. Results may vary based on individual circumstances.
Schedule a Workshop or Benefits Review Today
Let's create a customized solution
that works for your business and your employees.
(708) 782-5400 · info@imroyalty.org · www.imroyalty.org
Products are offered through Licensed New York Life insurance agents. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Please consult your own tax, legal, or accounting professional before making any decisions.