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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 19, 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

  • United Home Life has specialty life insurance policies for accidental death and people with diabetes
  • Royal Neighbors of America is more expensive, but the company has better A.M. Best ratings
  • Both Royal Neighbors and United Home Life allow you to file a claim online

Now that you’ve narrowed your life insurance shopping to Royal Neighbors vs. United Home Life insurance, it’s time to compare which company is better.

While Royal Neighbors of America and United Home Life Insurance Company are small life insurance providers, they provide final expense burial insurance and other products.

Our short guide explains Royal Neighbors vs. United Home Life insurance quotes, insurance policies, and third-party ratings.

Read on to find out how affordable Royal Neighbors vs. United Home Life insurance might be. Use our free online quote tool above to compare the top companies near you.

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

There are three different life insurance policies at Royal Neighbors of America. However, United Home Life has at least five life insurance policies. Let’s compare them in a list.

Royal Neighbors of America vs. United Home Life Policies
Royal Neighbors of America Life Insurance PoliciesUnited Home Life Insurance Policies
Whole Life and Youth Whole LifeTerm Life
Single-Premium Whole LifeSimplified Issue Whole Life
Simplified Issue Whole LifeGuaranteed Issue Whole Life
Term LifeAccidental Death Insurance
Life Insurance for Diabetics
Get Your Rates Quote Now
Compare RatesStart Now →

United Home Life has two unique life insurance programs: accidental death insurance and life insurance for people with diabetes. Like any life insurance company, you can access these policies online using a Royal Neighbors or United Home Life login.

If you’re an agent, you can use a United Home Life agent login or a Royal Neighbors agent login to access agent information and customer policies.

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

How much are Royal Neighbors vs. United Home Life insurance rates?

Life insurance premiums at both companies are private, which means you can only get accurate, personal quotes from an agent. However, we found burial insurance rates based on age, gender, and a $10,000 policy limit.

Let’s compare Royal Neighbors of America and United Home Life Insurance Company.

Royal Neighbors vs. United Home Average Monthly Life Burial Insurance Rates by Age, Gender, and $10K Policy Limit
Age of PolicyholdersRoyal Neighbors Monthly Burial Insurance Rates for Non-Smoking Females Royal Neighbors Monthly Burial Insurance Rates for Non-Smoking Males United Home Life Monthly Burial Insurance Rates for Non-Smoking Females United Home Life Monthly Burial Insurance Rates for Non-Smoking Males
40N/AN/A$20$23
45N/AN/A$23$27
50$34$40$26$31
55$38$46$30$37
60$38$50$35$45
65$45$59$42$56
70$56$75$52$75
75$80$110$71$103
80$110$154$105$139
85$149$213NANA
Get Your Rates Quote Now
Compare RatesStart Now →

Overall, United Home Life has more affordable burial insurance rates. Royal Neighbors is also at a disadvantage because they start burial insurance rates at 50 years old.

Meanwhile, United Home Life provides coverage for people at 40 years old.

The older you get, the more you’ll pay for life insurance. On the other hand, smokers will pay significantly more because smoking affects life expectancy.

Do Royal Neighbors and United Home Life have good financial strength ratings?

Before you buy Royal Neighbors vs. United Home Life insurance, check out the company’s financial ratings where you want a policy.

According to A.M. Best, Royal Neighbors of America improved its score from “A-” to “A.” The latest A.M. Best rating for United Home Life is “A-.”

Under A.M. Best’s rating scale, the “A” grade is higher than “A-.” This means both companies have a stable financial outlook and an excellent ability to meet obligations to customers.

Royal Neighbors of America currently has a better financial outlook and customer response.

Can I file a Royal Neighbors or United Home Life insurance claim online?

The short answer is yes. You file a claim online at both companies. The link to file a claim on Royal Neighbors is at the bottom right of its website. United Home Life’s website has its claim link on the top banner of its website.

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

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

United Home Life has two unique coverage options that are helpful for specific situations such as accidental death and diabetes. Royal Neighbors doesn’t have those extra options, but it does have a whole life insurance plan for kids.

Although United Home Life is more affordable, Royal Neighbors has a better A.M. Best rating. Ultimately, the company that meets your needs is the best one for you.

Now that you know more about Royal Neighbors vs. United Home Life insurance enter your ZIP code in the free comparison tool below to compare multiple companies in your local area.