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: Jun 28, 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

  • 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.

Liberty Bankers Monthly Burial & Final Expense Life Insurance Rates ($20,000) for Non-Smokers
Age of InsuredMaleFemale
40$39.28$35.48
45$47.12$41.63
50$56.39$46.51
55$68.95$56.17
60$86.97$64.71
65$107.26$80.99
70$141.99$104.95
75$195.67$147.78
80$288.97$213.69
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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.

Royal Neighbors Average Monthly Monthly Burial and Final Expense Life Insurance Rates ($20,000) for Non-Smokers
Age of InsuredMale RatesFemale Rates
40NANA
45NANA
50$76.70$64.73
55$90.03$72.49
60$97.61$73.86
65$114.98$86.65
70$146.94$108.58
75$218.20$157.00
80$304.99$218.20
85$422.82$294.93
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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.