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Royal Neighbors of America Life Insurance coverage Overview


Melissa Morris has a BS and MS in train science and a doctorate in instructional management. She is an ACSM licensed train physiologist and an ISSN licensed sports activities nutritionist. She teaches diet and utilized kinesiology on the College of Tampa.
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Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which period she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as properly. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan

UPDATED: Apr 24, 2022

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This is the Scoop

  • Royal Neighbors was one of many first life insurance coverage corporations in America to situation life insurance coverage to girls and kids, began in 1895
  • Immediately, Royal Neighbors is likely one of the largest women-led life insurance coverage corporations within the nation
  • Royal Neighbors of America membership price prices an annual $20 and consists of all kinds of reductions

Royal Neighbors has been within the enterprise of offering safety and peace of thoughts for greater than 120 years, main the business as the primary firm within the U.S. to supply insurance coverage to each girls and kids. 

Over time, Royal Neighbors has grown and expanded exponentially and at the moment is taken into account to have a strong monetary basis, providing all sorts of life insurance coverage that vary from time period, entire, and common life. 

Preserve studying for extra details about what Royal Neighbors insurance coverage affords in addition to what is roofed underneath their insurance policies. Prepared to begin evaluating quotes in your space? Merely enter your ZIP code into our free software. 

What does Royal Neighbors’ life insurance coverage cowl?

Royal Neighbors of America supplies a number of several types of life insurance coverage that embrace time period life, entire life, and common life. In addition they present annuities which can be capable of be bought in tandem with their time period insurance policies.

Insurance policies that Royal Neighbors affords:

  • Complete Life and Youth Complete Life
  • Single-Premium Complete Life
  • Simplified-Problem Complete Life
  • Time period Life

A number of of those merchandise are bundled collectively underneath time period life, entire life, and common life. Let’s take an in depth have a look at every of them.

Complete Life Insurance coverage

Beginning at $25,000 in protection, Royal Neighbors’ entire life insurance coverage affords everlasting protection in addition to entry to cash-value with demise advantages.

The Important Complete Life coverage advantages embrace:

  • Accelerated Loss of life Advantages
  • Unintended Loss of life
  • Assured Insurability
  • Waivers for Most cancers and Incapacity

Riders are additionally capable of be added to obtain protection if wanted. Although, doing this can enhance your coverage’s charges.

Youth Complete Life is a coverage that’s provided to riders underneath the age of 18. This consists of assured insurability for riders in addition to accelerated demise advantages. Royal Neighbors additionally affords Royal Legacy Single Premium which incorporates candidates ages 45-80.

This coverage requires a lump-sum cost of a minimum of $10,000, with the demise profit guaranteeing the next premium for cost.

Simplified Problem Complete Life is on the market to those that are between the ages of fifty and 85, and affords immediate situation life insurance coverage protection that ranges from $5,000 to $25,000. No medical examination is required and all bills as a result of any excellent medical payments or monetary obligations will probably be coated.

Time period Life Insurance coverage

By means of their JETerm protection, Royal Neighbors supplies a customizable possibility that comes with a stage premium and demise profit, in addition to the flexibility so as to add a number of riders with the choice to later convert it into everlasting protection.

You even have the choice of a assured insurability rider which lets you incrementally enhance your coverage quantity with out your premium rising dramatically.

Common Life Insurance coverage

That is underneath their SecureLife coverage and affords policyholders flexibility with their premiums and a modified cost schedule, relying on monetary wants. There may be additionally a 20-year no-lapse assure with this coverage. 

The identical rider advantages provided on the usual entire life insurance coverage coverage are additionally out there with this coverage as properly.


Along with life insurance coverage protection, Royal Neighbors additionally affords retirement annuities:

  • Versatile Premium Deferred Annuity. This lets you make common contributions to the account over time, with funds rising tax-deferred
  • Single Premium Deferred Annuity. You’ll be able to deposit a lump sum of cash into this annuity and develop or compound it on a tax-deferred foundation. You’ll be able to then withdraw the funds as an revenue stream at any time sooner or later.
  • Single Premium Fast Annuity. You’ll be able to deposit only one lump sum, both from private financial savings, or from a retirement account (comparable to an IRA or 401(okay) plan), and begin to obtain revenue instantly.

These merchandise present a strategy to develop or compound your cash in a tax – benefit method. Making certain that you’ve got an revenue sooner or later that can final previous your retirement, no matter how lengthy which may be.

Membership Advantages

Membership with Royal Neighbors comes with different added advantages:

  • Dental Reductions within the quantity of 5-50%
  • Imaginative and prescient Reductions within the quantity of 20-40% off the retail worth of glasses
  • Lab providers 10-80% off
  • Free and discounted authorized recommendation and providers by means of a pre-qualified community
  • Imaging reductions 10-60%
  • Listening to aids at 30% off
  • Retail/eCommerce providing 1-40% off at 4,000 main retailers

You may also turn into a member of the Royal Neighbors with out buying any insurance coverage insurance policies. The price for membership is $20/12 months.

Enter your ZIP code under to view corporations which have low cost insurance coverage charges.

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What’s the common value of protection with Royal Neighbors?

Prices for protection with Royal Neighbors will range relying in your coverage, however here’s a temporary have a look at the common value of their insurance policies.

Age Price for a 20-year coverage
30 $16.91
40 $23.36
50 $56.07

As said above, these charges are topic to range relying on how a lot protection you want, in addition to which sort of insurance coverage you determine to go together with.

Sadly, Royal Neighbors doesn’t supply way more info concerning the price of their insurance policies.

Royal Neighbors Life Insurance coverage Evaluations

The Royal Neighbors of America has an A+ score with the Higher Enterprise Bureau (BBB), with solely 4 complaints on file up to now three years and an A.M. Greatest score of A.

Royal Neighbors of America Life Insurance coverage Overview: The Backside Line

Merchandise and pricing could range with Royal Neighbors, relying on what sort of protection you want and the size through which you want your coverage to final. Nonetheless, their sturdy monetary backing with each the BBB and A.M. Greatest provides them a bonus over the remainder of the competitors.

Their simple insurance policies make the choice of shopping for life insurance coverage that rather more easy, so to deal with different issues, apart from your life insurance coverage coverage.

Now that you simply’ve discovered about Royal Neighbors of America life insurance coverage, take the time to enter your ZIP code into our free software and begin saving on life insurance coverage at the moment.




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