Royal Neighbors of America Life Insurance coverage Overview


This is the Scoop

  • Royal Neighbors was one of many first life insurance coverage firms in America to concern life insurance coverage to girls and youngsters, began in 1895
  • As we speak, Royal Neighbors is among the largest women-led life insurance coverage firms within the nation
  • Royal Neighbors of America membership charge 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 youngsters. 

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

Hold studying for extra details about what Royal Neighbors insurance coverage gives in addition to what is roofed below their insurance policies. Prepared to start out evaluating quotes in your space? Merely enter your ZIP code into our free device. 

What does Royal Neighbors’ life insurance coverage cowl?

Royal Neighbors of America gives just a few several types of life insurance coverage that embody time period life, entire life, and common life. Additionally they present annuities which can be in a position to be bought in tandem with their time period insurance policies.

Insurance policies that Royal Neighbors gives:

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

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

Entire Life Insurance coverage

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

The Important Entire Life coverage advantages embody:

  • Accelerated Demise Advantages
  • Unintended Demise
  • Assured Insurability
  • Waivers for Most cancers and Incapacity

Riders are additionally in a position to be added to obtain protection if wanted. Although, doing this may enhance your coverage’s charges.

Youth Entire Life is a coverage that’s supplied to riders below the age of 18. This consists of assured insurability for riders in addition to accelerated loss of life advantages. Royal Neighbors additionally gives 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 loss of life profit guaranteeing the next premium for cost.

Simplified Problem Entire Life is offered to those that are between the ages of fifty and 85, and gives instantaneous concern life insurance coverage protection that ranges from $5,000 to $25,000. No medical examination is required and all bills on account of any excellent medical payments or monetary obligations shall be lined.

Time period Life Insurance coverage

By their JETerm protection, Royal Neighbors gives a customizable choice that comes with a degree premium and loss of life 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 below their SecureLife coverage and gives policyholders flexibility with their premiums and a modified cost schedule, relying on monetary wants. There’s additionally a 20-year no-lapse assure with this coverage. 

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


Along with life insurance coverage protection, Royal Neighbors additionally gives 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 may deposit a lump sum of cash into this annuity and develop or compound it on a tax-deferred foundation. You may then withdraw the funds as an earnings stream at any time sooner or later.
  • Single Premium Instant Annuity. You may deposit only one lump sum, both from private financial savings, or from a retirement account (equivalent to an IRA or 401(okay) plan), and begin to obtain earnings instantly.

These merchandise present a strategy to develop or compound your cash in a tax – benefit method. Guaranteeing that you’ve an earnings sooner or later that may final previous your retirement, no matter how lengthy that could 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 way 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 can too turn into a member of the Royal Neighbors with out buying any insurance coverage insurance policies. The charge for membership is $20/12 months.

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

Prices for protection with Royal Neighbors will differ relying in your coverage, however here’s a transient take a look at the common price of their insurance policies.

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

As acknowledged above, these charges are topic to differ relying on how a lot protection you want, in addition to which sort of insurance coverage you resolve to go along with.

Sadly, Royal Neighbors doesn’t provide rather more data concerning the price of their insurance policies.

Royal Neighbors Life Insurance coverage Opinions

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

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

Merchandise and pricing could differ with Royal Neighbors, relying on what sort of protection you want and the size by which you want your coverage to final. Nonetheless, their sturdy monetary backing with each the BBB and A.M. Greatest offers 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, with the intention to deal with different issues, apart from your life insurance coverage coverage.

Now that you just’ve realized about Royal Neighbors of America life insurance coverage, take the time to enter your ZIP code into our free device and begin saving on life insurance coverage at this time.

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

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Editorial Tips: We’re a free on-line useful resource for anybody excited about studying extra about insurance coverage. Our aim is to be an goal, third-party useful resource for every little thing insurance coverage associated. We replace our website recurrently, and all content material is reviewed by insurance coverage consultants.

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.
She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, Vitacost, LIVESTRONG, Toast Fried, The Trusty Spotter, Greatest Comp…

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Written by

Melissa Morris
Professor of Diet & Kinesiology
Melissa Morris

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 effectively. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan


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