Mutual of Omaha vs. Royal Neighbors: Best Choice for Life Insurance (2021)
Mutual of Omaha and Royal Neighbors life insurance both have "A" ratings with A.M. Best, but Mutual of Omaha insurance is cheaper. Royal Neighbors' burial insurance is as low as $24/mo, and Mutual of Omaha's burial insurance is $15/mo. Compare Mutual of Omaha vs. Royal Neighbors life insurance rates to see which company is best for you.
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UPDATED: May 21, 2021
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- Royal Neighbors of America and Mutual of Omaha have whole life insurance and burial insurance policies
- Mutual of Omaha has term life rates as low as $10/mo
- Mutual of Omaha is ranked as one of the top life insurance companies by A.M. Best and J.D. Power
Do you want to compare Mutual of Omaha vs. Royal Neighbors life insurance rates? Mutual of Omaha and Royal Neighbors have different policies about insurance quotes, but don’t worry — we’re here to help.
Our guide has everything you need to know about how to buy Mutual of Omaha vs. Royal Neighbors life insurance.
Learn about life insurance products, such as term and whole life insurance, and third-party ratings for both companies.
When you’re finished with this Mutual of Omaha vs. Royal Neighbors life insurance guide, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.
Comparing Mutual of Omaha vs. Royal Neighbors Life Insurance Products
Royal Neighbors (also known as Royal Neighbors of America) is a woman-led life insurance company that provides burial and whole life insurance.
Mutual of Omaha provides term life insurance, whole life insurance, accidental death insurance, final expense burial insurance, and universal life insurance.
In addition to Mutual of Omaha life insurance, if you qualify for Medicare you might be interested in Mutual of Omaha Medicare supplement insurance.
Both companies offer annuities to customers, but Mutual of Omaha has more insurance, retirement, and mortgage solutions overall.
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How much are Mutual of Omaha and Royal Neighbors life insurance rates?
Royal Neighbors has private life insurance rates, so we couldn’t get a sample whole life insurance quote from the website.
However, we found Mutual of Omaha life insurance rates for term life insurance. Take a look at the table below.
|Policyholder's Age||Monthly Mutual of Omaha Term Life Rates (Females)||Monthly Mutual of Omaha Term Life Rates (Males)|
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Term life insurance offers cheaper rates for younger policyholders. As you get older, life insurance becomes more expensive.
Therefore, burial insurance is often more suitable for seniors who want to set something aside for funeral costs and other end-of-life expenses.
On average, final expense burial insurance is about $50 per month.
Mutual of Omaha vs. Royal Neighbors: What are their burial insurance rates?
Agents can access quotes queries using their Royal Neighbors agent login, and can even adjust your life insurance policy based on your needs. But we have the inside scoop on burial insurance rates at both companies.
|Policyholder Ages||Mutual of Omaha Non-Smokers Monthly Rates w/ $5,000 Limit||Mutual of Omaha Smokers Monthly Rates w/ $5,000 Limit||Royal Neighbors of America Non-Smokers Monthly Rates w/ $5,000 Limit||Royal Neighbors of America Smokers Monthly Rates w/ $5,000 Limit|
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Mutual of Omaha burial insurance is cheaper than Royal Neighbors of America. However, both companies increase life insurance and burial insurance rates as you get older and when you add additional coverage to your policy.
As you add more riders or other perks, double-check your Mutual of Omaha vs. Royal Neighbors life insurance quotes to make sure you’re getting the best deal.
How does comparing Mutual of Omaha and Royal Neighbors life insurance ratings help customers?
Everyone wants to find the best life insurance company with the most reliable service.
While Mutual of Omaha reviews and Royal Neighbors reviews will tell you about no waiting periods and policy features, third-party ratings reveal how well an insurance company manages money and serves its customers.
A.M. Best — a leading credit rating agency — gave Mutual of Omaha an “A+” rating and Royal Neighbors of America an “A-.” Both ratings are in the excellent category, but Mutual of Omaha has a better financial outlook.
The Better Business Bureau (BBB) gives both companies an “A+.” However, the National Association of Insurance Commissioners (NAIC) reported that Mutual of Omaha receives fewer customer complaints than Royal Neighbors.
Finally, Mutual of Omaha made it to the top five on J.D. Power‘s list of life insurance companies with the best customer service.
Mutual of Omaha vs. Royal Neighbors: What’s the bottom line?
Royal Neighbors of America is an excellent company for seniors, but its policies are limited to policyholders who are 50-85 years old.
Mutual of Omaha provides burial insurance and a lot more. If you’re looking for flexibility and more coverage options, go with Mutual of Omaha.
Now that you’ve compared affordable Mutual of Omaha vs. Royal Neighbors life insurance, use our free comparison tool below to see quotes from companies in your area.