Royal Neighbors of America Life Insurance coverage Assessment


Here is the Scoop

  • Royal Neighbors was one of many first life insurance coverage corporations in America to concern life insurance coverage to girls and youngsters, began in 1895
  • At present, Royal Neighbors is among the largest women-led life insurance coverage corporations within the nation
  • Royal Neighbors of America membership payment 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 right now is taken into account to have a stable monetary basis, providing all kinds of life insurance coverage that vary from time period, complete, and common life. 

Preserve studying for extra details about what Royal Neighbors insurance coverage provides 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 instrument. 

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, complete 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 provides:

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

Just a few of those merchandise are bundled collectively underneath time period life, complete life, and common life. Let’s take an in depth take a look at every of them.

Complete Life Insurance coverage

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

The Important Complete Life coverage advantages embrace:

  • Accelerated Loss of life Advantages
  • Unintentional Loss of life
  • 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 can improve 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 loss of life advantages. Royal Neighbors additionally provides Royal Legacy Single Premium which incorporates candidates ages 45-80.

This coverage requires a lump-sum cost of at the very least $10,000, with the loss of life profit guaranteeing a better premium for cost.

Simplified Concern Complete Life is obtainable to those that are between the ages of fifty and 85, and provides on the spot concern 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 can be lined.

Time period Life Insurance coverage

Via their JETerm protection, Royal Neighbors supplies a customizable possibility that comes with a stage premium and loss of life profit, in addition to the power 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 improve your coverage quantity with out your premium rising dramatically.

Common Life Insurance coverage

That is underneath their SecureLife coverage and provides 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 complete life insurance coverage coverage are additionally out there with this coverage as effectively.


Along with life insurance coverage protection, Royal Neighbors additionally provides 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 Fast Annuity. You may deposit only one lump sum, both from private financial savings, or from a retirement account (reminiscent of an IRA or 401(ok) plan), and begin to obtain earnings instantly.

These merchandise present a method 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 value 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 can too turn out to be a member of the Royal Neighbors with out buying any insurance coverage insurance policies. The payment for membership is $20/yr.

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 fluctuate relying in your coverage, however here’s a transient take a look at the common value of their insurance policies.

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

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

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

Royal Neighbors Life Insurance coverage Evaluations

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

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

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

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

Now that you simply’ve realized about Royal Neighbors of America life insurance coverage, take the time to enter your ZIP code into our free instrument and begin saving on life insurance coverage right now.

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

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Melissa Morris

Professor of Diet & Kinesiology

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…

Professor of Diet & Kinesiology

Justin Wright

Licensed Insurance coverage Agent

Justin Wright has been a licensed insurance coverage dealer for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin began his profession as a professor, educating Philosophy and Ethics. Later, Justin obtained each his Property & Casualty license and his Life and Well being license and started working for State Farm and Allstate.
In 2020, Justin started working as an i…

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