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 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Along with additional benefits, Royal Neighbors offers whole and term life insurance policies
  • Royal Neighbors currently has an “A” (Excellent) A.M. Best rating
  • Royal Neighbors’ average final expense and burial life insurance rate for a 50-year-old woman is $64.73 per month for a $20,000 policy

Because there are so many life insurance companies and policies out there to choose from, it isn’t easy to narrow your options down to the best insurance life companies for you.

Royal Neighbors of America offers a variety of whole and term life insurance policies as well as a few annuity options to customers all over the United States.

Before you learn more about Royal Neighbors life insurance, enter your ZIP code into our free online tool to see what affordable life insurance rates are available to you right now.

What products does Royal Neighbors offer?

Royal Neighbors’ range of insurance policies includes term life insurance and various kinds of whole life insurance. The company’s broad array of products offers policyholders a lot of flexibility.

Outside of a basic term life insurance policy, Royal Neighbors of America currently offers the following whole life insurance policies:

  • Whole life and youth whole life insurance
  • Single premium whole life insurance
  • Simplified issue whole life insurance

Because most life insurance companies, including Royal Neighbors, have several term and whole life insurance policies to choose from, it is often difficult to decide which policy type works best for you.

In short, whole life insurance covers you for your entire life and builds cash value that you can use in the future if needed. Term life insurance only covers you for a set amount of time and is significantly cheaper than whole life insurance.

Royal Neighbors includes under all of its term and whole life insurance policies an income-tax-free death benefit to the policyholder’s beneficiaries and fixed rates.

However, if you decide to invest in a term policy and think your financial needs will change in the future, the Insurance Information Institute suggests researching a convertible term policy.

Convertible term policies allow you to switch to a whole life insurance policy without a medical exam in exchange for higher rates.

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What are Royal Neighbors’ life insurance rates?

A critical aspect of comparison shopping is looking at different life insurance companies’ sample rates. We understand you want to find affordable Royal Neighbors life insurance.

Although Royal Neighbors has many life insurance policies, only its burial and final expense life insurance quotes are currently available to the general public.

If you are looking for a final expense and burial insurance policy, check out the following table to see what you can expect to pay in premiums with Royal Neighbors.

Royal Neighbors Average Monthly Burial & Final Expense Life Insurance Rates ($20,000) for Non-Smoking Men & Women by Age
Age of InsuredMale Average Monthly RatesFemale Average Monthly 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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When looking at Royal Neighbors life insurance quotes, remember that every life insurance company is different. Each one underwrites its customers based on personal health history, current habits, age, and more.

How does Royal Neighbors rate financially?

Another aspect you’ll want to consider is a company’s overall financial stability. Esteemed rating services like A.M. Best deliver the most accurate financial ratings for insurance companies.

Royal Neighbors of America currently holds an A.M. Best rating of “A” (Excellent), indicating that it is above average in its financial stability.

Another great thing to look at is a company’s complaint index to see how often customers have issues with the company’s service. A higher complaint index may signify a problem within the company.

According to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report in 2020, Royal Neighbors of America had three overall complaints, and its complaint index score is 0.95.

The national average score for the index is one, so Royal Neighbors is slightly better than average. A lower complaint index score means that few customers had issues with the company.

How do I contact Royal Neighbors?

Should you need to contact Royal Neighbors of America, you can do so in the following ways:

  • Phone: (800) 627-4762
  • Website
  • Social media

Royal Neighbors does not have its mailing address available online, and if you need to make a claim, you can do so through the company’s website.

You may also apply for life insurance with Royal Neighbors, contact an agent directly, or find the Royal Neighbors’ agent login through the company’s website.

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What are Royal Neighbors’ history and values?

Royal Neighbors of America was founded as a fraternal benefits society offering specialized life insurance products for women and children.

It is now one of the largest women-led life insurance companies in the United States and provides more than just life insurance to its customers.

Perks of being a policyholder with Royal Neighbors include free and discounted costs for legal services, prescriptions, and online shopping, as well as grants and educational scholarships.

Royal Neighbors prides itself on its “neighbor-helping-neighbor” community service approach and hosts multiple community service programs.

Royal Neighbors: The Bottom Line

With its long history of serving the community and its wide variety of life insurance options, including pre-need and final expense insurance products, Royal Neighbors is well-equipped to take care of your loved ones’ financial futures.

Royal Neighbors has a great A.M. Best rating of “A” (Excellent) and a fairly good NAIC complaint index score of 0.95. It’s a financially stable company that should have no trouble paying out claims now or in the future.

Although Royal Neighbors is very reputable, we recommend comparing it with other life insurance companies and discussing your options with an agent before deciding.

Shop around before you buy Royal Neighbors life insurance. Enter your ZIP code into our free online tool for instant life insurance rates from companies in your area.