Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 19, 2021

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Facts of Life

  • Great Western and Royal Neighbors both keep life insurance rates provate
  • Royal Neighbors of America provides term life, permanent life, and annuities
  • Despite its name, Great Western Insurance Company isn’t associated with Great Western Bank

You’ve started researching the best life insurance companies and decided to compare Great Western vs. Royal Neighbors life insurance. We’re here to help.

Our guide explains everything you need to know about affordable Great Western vs. Royal Neighbors life insurance, coverage options, and third-party ratings.

Read on to compare Great Western vs. Royal Neighbors life insurance, and enter your ZIP code in the free tool above to see quotes from the best companies in your area.

Comparing Great Western vs. Royal Neighbors Life Insurance Products

Before you buy Great Western vs. Royal Neighbors life insurance, look at what each company provides for customers.

Great Western vs. Royal Neighbors Life Insurance Products
Great Western Life Insurance ProductsRoyal Neighbors Life Insurance Products
Final Expense Life InsuranceWhole Life & Youth Whole Life Insurance
Preneed Funeral InsuranceSingle Premium Whole Life Insurance
Group AnnuitiesSimplified Issue Whole Life Insurance
Term Life Insurance
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Royal Neighbors of America has a greater number of life insurance policies. However, Great Western specializes in burial insurance and annuities.

Burial insurance is focused on paying for funeral costs and other expenses or outstanding debts after someone passes away.

Final expense burial insurance and pre-need insurance policies are popular plans among seniors and not commonly purchased by younger adults.

What are Great Western and Royal Neighbors’ life insurance features?

Great Western life insurance policies are designed to pay for funeral expenses and build wealth for multiple policyholders. Meanwhile, Royal Neighbors has standard life insurance policies.

You may find that some burial insurance policies have no waiting period, but these usually come with a higher monthly premium.

Simplified whole life insurance, single premium whole life insurance, and term life insurance claims aren’t subject to taxation by the Internal Revenue Service (IRS).

However, the interest you build from annuities and whole life insurance could be taxed. Most of Royal Neighbors’ policies are designed to provide an accumulated cash value along with life insurance coverage.

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How much are Great Western and Royal Neighbors’ life insurance rates?

Comparing Great Western vs. Royal Neighbors life insurance rates is possible, but sample prices from these companies are only available through their quote systems.

For an accurate quote from Great Western or Royal Neighbors, visit the company’s website.

Although there aren’t any public rates, whole life insurance is typically more expensive than final expense life insurance. The cheapest life insurance option is usually term life insurance.

Comparing Great Western vs. Royal Neighbors Life Insurance Ratings

It’s challenging to choose with so little information on life insurance costs available from either company.

However, we researched the most recent financial and consumer ratings from Great Western Insurance Company and Royal Neighbors of America. Let’s see how they match up.

Great Western vs. Royal Neighbors Life Insurance Financial Ratings
Rating AgenciesGreat Western Insurance Company RatingsRoyal Neighbors of America Ratings
A. M. BestAA
Better Business Bureau (BBB)A-A+
S&PNot RatedNot Rated
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Great Western’s rating from the credit rating agency A.M. Best is connected to its affiliate, American Republic Insurance Company.

Royal Neighbors of America has a stand-alone A.M. Best rating, but both companies have the same grade, an “A.” Under the Better Business Bureau (BBB), Royal Neighbors has a stronger customer review rating.

Most Great Western and Royal Neighbors insurance reviews talk about the versatility of the companies.

What else should you know about Great Western vs. Royal Neighbors life insurance?

Both companies have websites where policyholders can manage their policies. Each has a separate portal where agents can enter their Great Western or Royal Neighbors agent login to calculate premiums and track policies.

Despite the name, Great Western Bank isn’t connected to the Great Western Insurance Company.

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Where can you find Great Western and Royal Neighbors life insurance?

Great Western life insurance does not offer policies in six states: Alaska, Connecticut, Hawaii, Maine, New York, and Vermont.

Royal Neighbors of America policies are unavailable in Alabama, Alaska, Hawaii, Louisiana, Massachusetts, New Hampshire, and New York.

Great Western vs. Royal Neighbors Life Insurance: What’s the bottom line?

Cost makes a difference when buying life insurance. Great Western and Royal Neighbors only provide individualized quotes through their websites and agents, so you will have to go through these channels to compare prices.

Now that you’ve compared Great Western vs. Royal Neighbors life insurance, it’s time to shop around. Enter your ZIP code below to see insurance rates from multiple companies near you.