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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The Facts of Life

  • Royal Neighbors of America has more life insurance options, but it’s more expensive than Oxford Life
  • Oxford Life has cheaper burial insurance rates, and Royal Neighbors has a stronger A.M. Best rating
  • Both companies provide annuities, but Oxford Life offers Medicare supplement insurance

Oxford Life Insurance Company and Royal Neighbors of America are two of the best life insurance companies with reliable final expense burial insurance.

Oxford Life vs. Royal Neighbors life insurance rates are determined by age, health, coverage amount, and policy type.

But which is cheaper? Don’t worry — we’re here to help. Our guide explains everything you need to know to compare Oxford vs. Royal Neighbors life insurance quotes, insurance products, and third-party ratings.

Read on to compare Oxford vs. Royal Neighbors life insurance. Once you have more knowledge, use our free online quote tool to compare multiple companies in your area.

Oxford vs. Royal Neighbors Life Insurance: Which company has more life insurance products?

If you go by the numbers, Royal Neighbors of America has more life insurance policies. Oxford Life Insurance Company has two final expense burial insurance policies and one whole life insurance policy.

Royal Neighbors of America has three whole life insurance policies, one term life insurance policy, and one burial insurance policy.

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Oxford vs. Royal Neighbors: How much are their life insurance rates?

Comparing affordable Oxford vs. Royal Neighbors life insurance quotes is tricky, as Oxford and Royal Neighbors both have private whole life insurance rates, and Royal Neighbors is the only company in the comparison that has term life insurance.

To make it fair, we’ll compare the burial insurance premiums of both companies based on age, gender, and a $5,000 policy limit.

Oxford vs. Royal Neighbors Average Monthly Burial Life Insurance Rates by $5K Policy Limit, Age, Gender, and Smoking Status
Age of PolicyholderOxford Burial Insurance Average Monthly Rates (Non-Smoking Females)Oxford Burial Insurance Average Monthly Rates (Non-Smoking Males)Royal Neighbors Burial Insurance Average Monthly Rates (Non-Smoking Females)Royal Neighbors Burial Insurance Average Monthly Rates (Non-Smoking Males)
50$12$14$18$21
55$14$17$20$24
60$17$21$20$36
65$22$28$24$31
70$27$35$29$39
75$37$48$41$57
80$53$69$57$78
85$78$95$76$108
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As you can see, female policyholders pay less than males. The older you get, the more you’ll pay for burial insurance. Expect any other life insurance policy to be the same.

Also, your health is an essential part of life insurance costs. Any pre-existing conditions that affect your life expectancy could increase your life insurance premium regardless of the policy type.

Oxford and Royal Neighbors Life Insurance Ratings

Should you buy Oxford Life vs. Royal Neighbors life insurance? Don’t decide until you look into the companies’ financial strength ratings.

Although Oxford Life Insurance Company and Royal Neighbors of America are smaller companies, they participated in studies from the top rating agencies.

Royal Neighbors of America has an “A” rating. It’s not the best rating, but it shows that Royal Neighbors has a stable financial outlook.

According to A.M. Best, Oxford Life has an “A-,” which is one grade below Royal Neighbors.

The Better Business Bureau (BBB) lists Royal Neighbors as an accredited company with an “A+” rating. Oxford Life, on the other hand, doesn’t have accreditation, and it has a “B-” rating with the BBB.

The 10 best life insurance companies have ratings much higher than “A-” and “B-.” Keep searching until you find the company that seems like a perfect fit.

Can you file online claims at Oxford Life and Royal Neighbors of America?

You can only file a claim through Oxford Life Insurance Company customer service. Contact the Oxford Life insurance phone number to start a claim.

Royal Neighbors customers can file a claim by visiting the Royal Neighbors of America website. Scroll to the very bottom of the webpage. On the bottom right, click “File a Claim.”

Fill out the form and wait for further instructions. Agents can enter their Royal Neighbors agent login at the bottom left side of the webpage.

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

When it comes to life insurance, Royal Neighbors of America is more versatile than Oxford Life Insurance Company. Oxford Life makes up for it through cheaper burial insurance.

Overall, Royal Neighbors has better ratings. The best way to secure cheap life insurance rates is to compare quotes from multiple companies.

Now that you’ve compared Oxford vs. Royal Neighbors, use what you learned and try our free comparison tool. Enter your ZIP code below to get started.