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

  • Prosperity Life is an affiliate of SBLI and S.USA and provides cheap burial insurance rates
  • Prosperity Life has more life insurance products, while Royal Neighbors also offers annuities
  • Royal Neighbors has a slightly better rating than Prosperity Life

Prosperity Life and Royal Neighbors life insurance are two of the best life insurance companies for burial insurance. Which company is better for your needs?

Our guide covers Prosperity Life vs. Royal Neighbors life insurance quotes, insurance products, and third-party ratings.

Continue reading to find out how affordable Prosperity Life vs. Royal Neighbors life insurance might be. Enter your ZIP code above to start comparing multiple companies in your local area.

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

Before you decide whether to buy Prosperity Life vs. Royal Neighbors life insurance, you should know more about what these companies offer. We’ve compiled a list of available life insurance products at Prosperity Life and Royal Neighbors.

Let’s see which life insurance provider has more coverage options.

Prosperity Life vs. Royal Neighbors Life Insurance Policies
Prosperity Life Insurance Policies (SBLI)Royal Neighbors of America Life Insurance Policies
Final ExpenseWhole Life and Youth Whole Life
Graded Death Benefit TermSingle Premium Whole Life
Income Continuation TermSimplified Issue Whole Life
Renewable & Convertible TermTerm Life
Simple Issue Term
Whole Life
Single-Premium Universal Life
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Prosperity Life has more life insurance products. In addition to life insurance, Royal Neighbors of America has annuities. However, Prosperity Life has an annuity program and healthcare supplement insurance.

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How much are Prosperity Life vs. Royal Neighbors life insurance rates?

We would’ve liked to give you a comprehensive view of sample life insurance rates, but Prosperity Life Insurance Company and Royal Neighbors of America rates aren’t available without a personal quote.

If you want an accurate term life insurance or whole life insurance quote, you’ll have to request a quote. We are able to provide some sample final expense burial insurance rates. Let’s compare.

Prosperity Life vs. Royal Neighbors Monthly Burial Insurance Rates by $5K Policy Limit, Age, Gender, and Smoking Status
Age of PolicyholdersProsperity Life Average Monthly Burial Insurance Rates (Non-Smoking Females)Prosperity Life Average Monthly Burial Insurance 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$16$19$18$21
55$17$21$20$24
60$20$25$20$36
65$24$31$24$31
70$31$42$29$39
75$42$59$41$57
80$51$76$57$78
85N/AN/A$76$108
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Non-smoking females pay the least for burial insurance at both companies, and younger policyholders pay cheaper rates. When matched up, Prosperity Life is more affordable.

If you’re a smoker, your life insurance will increase by $20 or more. Also, a higher coverage limit can drive up your rates.

Do Prosperity Life and Royal Neighbors life insurance have good financial strength ratings?

The short answer is yes. According to A.M. Best, Prosperity Life, SBLI, and S.USA share an “A-” rating. However, Royal Neighbors of America has an “A” rating, which is one grade higher than “A-.”

What do these ratings mean? The “A’s” in A.M. Best are excellent ratings that stand for stable financial outlooks and an excellent ability to meet obligations to customers.

Despite having more expensive burial insurance, Royal Neighbors of America has a much better handle on finances and customer experience.

Can you file a life insurance claim through Prosperity Life’s or Royal Neighbors’ website?

Both Prosperity Life Group and Royal Neighbors of America have an online form where you can file a claim. Visit their respective websites, scroll to the bottom, and click on the claim link. The websites will guide you on what to do next.

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

Prosperity Life Group and Royal Neighbors of America do a much better job online than most telesales life insurance companies. With A.M. Best ratings in the “A” range, they’ve both proven to be strong competitors in final expense burial insurance.

To decide which one is better, compare them carefully and see which company meets your life insurance needs. If you’re looking for lower prices, go with Prosperity Life. For more reliability, Royal Neighbors may be the better choice.

Now that you understand more about Prosperity Life vs. Royal Neighbors life insurance, try using our free online tool below to start comparing life insurance companies near you.