Liberty Bankers vs. Royal Neighbors: Best Choice for Life Insurance (2021)
Liberty Bankers vs. Royal Neighbors insurance companies both proved to be reputable. Each company offers a variety of life insurance policies and has a good A.M. Best rating. However, Liberty Bankers offers more affordable rates to men and women of various ages, and Royal Neighbors has a higher A.M. Best rating. Comparing Liberty Bankers' and Royal Neighbors' insurance rates will help you choose the right company.
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UPDATED: Jun 28, 2021
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- When comparing Liberty Bankers vs. Royal Neighbors, Liberty Bankers has more affordable rates than Royal Neighbors
- Both Liberty Bankers and Royal Neighbors offer a wide variety of life insurance options to choose from
- Royal Neighbors has a higher A.M. Best rating than Liberty Bankers
There are tons of life insurance companies and policies to choose from. But how do you find the best life insurance companies for you and your needs? We created this Liberty Bankers vs. Royal Neighbors life insurance review to help you compare two potential options.
Continue reading to compare Liberty Bankers vs. Royal Neighbors life insurance companies, as we go over their rates, policies, ratings, Royal Neighbors and Liberty Bankers life reviews, and more.
Before we get into this Liberty Bankers vs. Royal Neighbors life insurance comparison, enter your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.
Liberty Bankers vs. Royal Neighbors: Which company offers more affordable rates?
When you start comparing life insurance companies, the first place you should begin is their rates. A life insurance company’s rates help you to decide whether or not the coverage offered to you is worth the amount you will spend every month.
Every life insurance company’s rates are different because they offer products to match their policyholders’ demographics.
Fortunately, both Liberty Bankers and Royal Neighbors provide a wide variety of life insurance products, making it easier for you to find affordable Liberty Bankers or Royal Neighbors life insurance rates that work for you.
We did not find term or whole life insurance rates, but we do have burial and final expense life insurance quotes for both Liberty Bankers and Royal Neighbors.
The following table includes Liberty Bankers’ insurance rates for a burial and final expense life insurance plan valued at $20,000 for non-smoking men and women ages 40-80.
|Age of Insured||Male||Female|
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Next, look at the table below to see what you can expect to pay for burial and final expense rates with Royal Neighbors.
|Age of Insured||Male Rates||Female Rates|
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After comparing these sample Liberty Bankers vs. Royal Neighbors life insurance quotes, you can see that Liberty Bankers’ burial and final expense insurance rates are cheaper.
However, cheaper rates are not always indicative of better coverage, which is why it’s important to compare more companies than just Liberty Bankers and Royal Neighbors insurance.
Comparing quotes from multiple companies helps you know which companies and products will adequately cover you and your needs. To learn more about Liberty Bankers’ life insurance rates and products, read our Liberty Bankers review.
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What products do Liberty Bankers and Royal Neighbors offer?
In addition to their rates, another critical thing to look at when comparing insurance companies is what products they offer. Some companies specialize in areas that others do not, and understanding what you need can help you avoid overpaying for your insurance.
Liberty Bankers offers a variety of life, health, and retirement insurance plans to its policyholders, such as:
- Final expense insurance
- Home service
- Pre-need insurance
- Group annuities
Royal Neighbors specializes in a wide range of life insurance products, including:
- Whole life and youth whole life
- Single-premium whole life
- Simplified issue whole life
- Term life
Royal Neighbors also offers multiple annuities so you can tailor your policy to fit your needs.
The company’s website has separate entry fields for your Royal Neighbors agent login, member login, or savings login. Policyholders can file claims, manage their accounts, and talk directly with a Royal Neighbors insurance agent.
For additional information about Royal Neighbors’ various life insurance products, read our Royal Neighbors Review.
When deciding on a life insurance policy, start by looking at your needs and find a company that adequately covers those needs at rates you can afford.
Liberty Bankers vs. Royal Neighbors: Which company has better reviews?
When buying life insurance, it’s beneficial to consider how well a company is rated through credible third-party sources, like A.M. Best, which ranks companies’ financial stability.
Liberty Bankers has an A.M. Best rating of B++ (Good), while Royal Neighbors of America has an A.M. Best rating of A (Excellent). Although both companies are rated well, Royal Neighbors has a higher rating for its financial stability than Liberty Bankers.
Liberty Bankers vs. Royal Neighbors: The Bottom Line
Both Liberty Bankers and Royal Neighbors are excellent companies with good reputations in the life insurance industry. In addition, each offers a wide range of life insurance policies that customers can choose from.
After comparing Liberty Bankers vs. Royal Neighbors’ life insurance rates, Liberty Bankers has less expensive burial and final expense life insurance rates than Royal Neighbors of America.
Although Royal Neighbors has a higher A.M. Best rating, each company is rated well, meaning they are financially strong compared with other life insurance companies.
Now that you’ve read this Liberty Bankers vs. Royal Neighbors insurance review, we recommend comparing each company with others and discussing your options with an agent before deciding.
Hopefully, you now feel better informed as you consider whether to buy Liberty Bankers or Royal Neighbors’ life insurance. For free, instant life insurance quotes from companies in your area, enter your ZIP code into our online tool now.