Royal Neighbors of America Life Insurance Review [2024]

Royal Neighbors life insurance was one of the first companies to sell life insurance policies to women in the United States. This company has been working to provide support for women and serve local communities for over 100 years.

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Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Aug 8, 2024

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above 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.

Quick Facts

  • Royal Neighbors of America was founded in 1895 by 9 women
  • Back when Royal Neighbors was founded, women and children typically did not have access to life insurance coverage
  • Royal Neighbors life insurance was one of the first companies in America to issue life insurance to women and children
  • Today, Royal Neighbors is one of the largest women-led life insurance companies in the country and life insurance industry as a whole

Royal Neighbors of America, a prominent player in the life insurance industry for over 120 years, was among the first to provide life insurance coverage for women and children in the United States. As a leading Royal Neighbors Insurance Company, they offer various premiums through their dedicated Royal Neighbors agents.

Royal Neighbors still prides itself on being a women-led life insurance and annuities company, and today will issue life insurance products to anyone who is interested. This company doesn’t have a huge selection of life insurance policies like some of the other big life insurance companies in the United States, but they do offer whole and term life insurance options.

Royal Neighbors also prides itself on its community involvement. The company’s mission is to “insure lives, support women, and serve communities.” Let’s take a closer look at the different Royal Neighbors life insurance products, their life insurance rates, and see how strong the company is financially.

If you can’t wait to find life insurance akin to what Royal Neighbors provides, enter your ZIP code above to compare life insurance quotes from the top companies in your area.

Table of Contents

What are the life insurance rates from Royal Neighbors of America?

Royal Neighbors of America does not provide life insurance rate information online. To obtain a quote for Royal Neighbors life insurance, you need to either complete their online form or contact one of their independent insurance agents by phone. This process is not very efficient and can make it challenging to gather details about the life insurance products offered by the company. For further assistance, you can use the Royal Neighbors login or reach out to Royal Neighbors of America customer service. Be aware that there may be complaints about Royal Neighbors of America related to this lack of transparency.

The expense of your life insurance with the Royal Neighbors of America Insurance Company will be influenced by various individual factors such as your age, lifestyle, medical history, and other considerations. If you find the quote from Royal Neighbors of America unsatisfactory, it’s advisable to explore and compare their insurance rates with those offered by other providers. For additional insights, you can refer to Royal Neighbors of America insurance reviews or consider neighbor sayings regarding insurance options.

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What Royal Neighbors life insurance products are there?

Royal Neighbors will only issue four types of life insurance policy according to their company website. They have three different types of whole life insurance policy and one term life insurance policy that they sell. (For more information, read our “How to Sell Your Life Insurance Policy“).

Check out this informative table that shows a simplified breakdown of Royal Neighbors life insurance policies and some of their key features.

Accordia Life vs. Foresters Financial: Male 20-Year Term $250,000 Policy Monthly Rates by Age

AgeAccordia Life Average Monthly Rates for a 20-Year Term $250,000 Policy (Male)Foresters Financial Average Monthly Rates for a 20-Year Term $250,000 Policy (Male)
Age 30$16.91$13.56
Age 40$23.36$18.81
Age 50$56.07$42.66

Compare RatesStart Now →

Compared to most life insurance providers, Royal Neighbors offers significantly fewer policy options. Nevertheless, we will explore the available life insurance choices from Royal Neighbors in detail. This will help you make an informed decision about their offerings. For a Royal Neighbors quick quote or to compare with options like Royal Family Insurance and Royal Home Insurance, be sure to review the details carefully.

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What are the specifics of Royal Neighbors’ whole life insurance policies?

Royal Neighbors sells three distinct types of whole life insurance policy. They are as follows:

  • whole life and youth whole life
  • single premium whole life
  • simplified issue whole life

Each one of these life insurance policies is a form of permanent life insurance, meaning that coverage lasts for an entire life, assuming that the policy’s premiums are paid.

The whole life and youth whole life policies are standard whole life insurance policies. The cost of these policies increases as issue ages increase; that is because the premiums for these policies remain level over the duration of the policy.

Whole life insurance policies build a cash value over time that can be borrowed against or used in the event of a terminal illness, such as cancer, or disability to help pay for care and treatment. This is one of the additional benefits of purchasing whole life as opposed to term life.

There are no details provided by Royal Neighbors in regards to the amount of whole life insurance coverage they typically sell. If you want to know how much whole life insurance coverage you can buy from Royal Neighbors, contact an agent to discuss this.

Single premium whole life insurance policies are basically the same as the other whole life insurance policies offered, but instead of having a lifetime of premiums they only have a single premium, hence the name. This is a great option for people who can afford to pay their premium at once. Then you get a lifetime of coverage without having to pay a lifetime of premiums.

The final insurance plan available from the company is simplified issue whole life insurance. This is more or less final expense insurance. The coverage amounts on these policies are likely pretty low. Generally, these policies are capped somewhere between 30,000 and 50,000 dollars when you look at other final expense insurance companies. If you are trying to leave a legacy behind for an heir, this policy option is not the one you should choose. Instead, final expense life insurance is designed to help cover the cost of your funeral and smaller final expenses that you may leave behind.

In most cases, the death benefit is paid directly to the funeral home. With that said, one of the excellent benefits of this type of policy is that you can be in charge of how your memorial service and burial will go, if that is something that is important to you. Typically, since the coverage amounts are low, you can expect an affordable premium with this type of coverage.

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What should I know about Royal Neighbors’ term life insurance policies?

Royal Neighbors does not offer a lot of information about their term life insurance policies. Most companies will tell you what term options they sell if you need to undergo a medical exam, and what the policy coverage maximums are.

Royal Neighbors offers no specifics about their term life insurance policies on their company website. If you want more information about these policies, contact a Royal Neighbors life insurance agent.

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Is Royal Neighbors life insurance financially strong?

The independent financial review company A.M. Best has given Royal Neighbors a financial strength rating of A. This is the third-highest financial rating possible from the company.

Financial ratings are crucial to confirm that you will receive your benefits promptly. If a company has poor ratings, it might struggle to deliver your death benefit on schedule or even at all. When investing in life insurance, such as Royal Neighbors life insurance, it’s essential to ensure that the provider can fulfill its financial obligations and protect your family when it matters most. For inquiries or support, you can reach out to Royal Neighbors life insurance customer service through their website at www.royalneighbors.org.

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

Royal Neighbors of America is known for its significant contributions to women and local communities. However, if you are looking for extensive life insurance coverage, you might consider exploring other insurance providers. The company provides limited details about its rates and policies on its website, which may prompt further inquiries. For more comprehensive options, you might want to shop for life insurance with other companies. Additionally, Foresters mobile quotes and Royal American Life Insurance Company offer alternative choices. To access your account or manage policies, you can use the Royal Neighbors of America agent login.

If you’re ready to compare life insurance rates from top companies such as Royal Neighbors Life insurance in your local area, enter your ZIP code below.

Frequently Asked Questions

Is Family First Life Insurance legit?

Family First Life Insurance is generally considered a legitimate company. It is a relatively new player in the insurance industry but has gained attention for its aggressive marketing and recruitment strategies. It operates as an independent insurance agency and is known for offering a range of life insurance products. As with any insurance provider, it’s advisable to research thoroughly, read reviews, and consult with a licensed agent before committing.

Is the Neighbor Who service reputable?

The term “Neighbor Who” might refer to a specific service or company, but it’s not widely recognized in common sources. If “Neighbor Who” is a particular service or organization, checking customer reviews, ratings, and independent evaluations can help determine its reputation. Ensure you verify the service’s credentials and seek feedback from current or former users.

Is working for Primerica legit?

Working for Primerica is generally considered legitimate. Primerica is a well-known financial services company that offers insurance and investment products. It operates as a multi-level marketing (MLM) company, meaning its representatives earn commissions through direct sales and recruitment. While many find success and satisfaction working there, it’s important to understand the MLM structure and review compensation plans thoroughly.

What does Royal Neighbors offer?

Royal Neighbors of America offers a range of life insurance products, including whole life insurance and term life insurance. They provide several types of whole life policies, such as standard whole life, youth whole life, single premium whole life, and simplified issue whole life insurance. Their focus is on providing coverage that supports women and local communities.

What is Royal Neighbors of America?

Royal Neighbors of America is a life insurance company with over 120 years of history. It was one of the first companies in the U.S. to offer life insurance to women and children. The company is known for its commitment to supporting women and community involvement. It offers a range of life insurance products, including whole and term life insurance policies.

What is the single premium life insurance calculator for Fidelity?

Fidelity offers a single premium life insurance calculator to help estimate the cost of a life insurance policy that requires a one-time premium payment. This calculator can be found on Fidelity’s website or by contacting their customer service for personalized assistance.

How can I get a Thrivent life insurance quote?

To get a Thrivent life insurance quote, visit Thrivent’s official website and use their online quote tool. Alternatively, you can contact a Thrivent financial representative directly for a personalized quote based on your needs.

What are the reviews for Vantis Life Insurance?

Vantis Life Insurance reviews generally reflect a mix of customer experiences. Review platforms like Trustpilot and Google Reviews provide insights into customer satisfaction, including the company’s service quality, policy options, and claims handling.

What do reviews say about whole life insurance?

Whole life insurance reviews typically highlight its benefits, such as lifelong coverage and cash value accumulation. However, reviews may also point out higher premiums compared to term life insurance. Customer feedback often emphasizes the stability and long-term financial planning advantages of whole life insurance.

What are the reviews for Royal Neighbors life insurance?

Reviews of Royal Neighbors life insurance are mixed, with many customers valuing the company’s commitment to community and diverse policy offerings. However, some feedback notes the limited policy details available online. For a well-rounded perspective on customer experiences, it’s advisable to review multiple sources and consider the feedback on Royal Neighbors customer service.

What do people say about Royal Neighbors of America?

Royal Neighbors of America is often praised for its historical commitment to serving women and its community involvement. Reviews may reflect positively on its customer service and policy options, but potential customers should review feedback to get a balanced perspective.

What is the review for Accordia Life Insurance?

Accordia Life Insurance reviews generally focus on the company’s policy offerings and customer service. Positive reviews often highlight competitive products and customer support, while negative reviews might point to issues with claims processing or communication. Checking various review sites can give a fuller picture.

What do reviews say about Aflac whole life insurance?

Aflac whole life insurance reviews often emphasize the company’s supplemental insurance options and customer service. Positive feedback highlights Aflac’s reliability and ease of use, while some reviews may discuss the higher cost or limited coverage options compared to other providers.

What is the rating for Royal Neighbors of America?

Royal Neighbors of America typically receives solid ratings from independent financial rating agencies like A.M. Best. These ratings reflect the company’s financial strength and ability to meet its obligations. Check the latest ratings from agencies to get the most current assessment.

What benefits do Royal Neighbors members receive?

Royal Neighbors members receive various benefits, including access to life insurance and annuities, community involvement opportunities, and potentially member-exclusive discounts and programs. Specific benefits can vary, so it’s advisable to consult with Royal Neighbors directly for detailed information.

What are the reviews for Neighbors Insurance Agency?

Reviews for Neighbors Insurance Agency can vary based on customer experiences. Common review topics include the agency’s customer service, policy offerings, and claims handling. Checking multiple review platforms can provide a clearer picture of the agency’s reputation.

What is the phone number for Royal Neighbors of America?

The phone number for Royal Neighbors of America is typically available on their official website. For the most current and accurate contact information, visit their site or contact their customer service directly.

What are the current annuity rates for Royal Neighbors?

Current annuity rates for Royal Neighbors can vary based on the type of annuity and market conditions. For up-to-date rates, visit Royal Neighbors’ website or contact their financial advisors.

How can I get a Royal Bank life insurance quote?

To get a Royal Bank life insurance quote, visit the Royal Bank’s website and use their online quote tool or contact a Royal Bank insurance representative for a personalized quote based on your needs.

What is the fax number for Royal Neighbors of America?

The fax number for Royal Neighbors of America can typically be found on their official website or by contacting their customer service for the most accurate and current contact details.

What is the review for Royal Neighbors of America’s final expense insurance?

Reviews for Royal Neighbors of America’s final expense insurance generally highlight the policy’s affordability and benefits in covering funeral and other end-of-life expenses. Customer feedback may include both positive aspects and any challenges encountered with the coverage.

What services does Royal Colonial Insurance provide?

Royal Colonial Insurance Services offers a range of insurance products, including life, health, and property insurance. Specific services can be found by visiting their website or contacting them directly for detailed information.

What is the Neighbors Insurance Agency in Kendall like?

The Neighbors Insurance Agency in Kendall is likely reviewed based on customer service, policy offerings, and overall experience. Checking local review sites and customer feedback can provide insights into the agency’s reputation and service quality.

How does Family First Life compare to Primerica?

Family First Life and Primerica are both life insurance providers with different business models. Family First Life operates as an independent agency with a focus on life insurance sales, while Primerica uses a multi-level marketing approach. Comparing their policies, commission structures, and customer reviews can help determine which aligns better with your needs.

What are the reviews for Columbian Financial Group?

Reviews for Columbian Life Insurance frequently highlight aspects such as their insurance products, customer service, and claims handling. Feedback on Columbian Life Insurance reviews can vary, so consulting multiple sources is recommended to gain a comprehensive understanding of the company’s performance.

What is the website for Accordia Life and Annuity Company?

You can find the website for Accordia Life and Annuity Company by searching “Accordia Life and Annuity” online. The site offers details about their insurance products, services, and contact information, including options for Accordia Life and Annuity Company online payment.

How do I get a mobile quote from Foresters?

To get a mobile quote from Foresters, visit their website and use their mobile-friendly quote tool or contact a Foresters representative for assistance with obtaining a quote through their mobile platform.

What do reviews say about guaranteed life insurance?

Reviews of guaranteed life insurance often highlight its accessibility for individuals with health issues, as it typically does not require a medical exam. Positive reviews emphasize the simplicity and guaranteed coverage, while negative reviews may point out higher premiums and lower coverage amounts.

What are the reviews for Ladder Life Insurance?

Reviews for Ladder Life Insurance generally focus on its straightforward application process, competitive rates, and flexibility in adjusting coverage. Customer feedback may also address areas such as customer service and the ease of making policy changes.

How do I make a death claim with Royal Neighbors?

To file a death claim with Royal Neighbors, reach out to their claims department or visit their website for guidance on how to submit a claim. Generally, you’ll need to provide documentation such as the death certificate and policy details. For assistance, you can also call the Royal Neighbors insurance phone number.

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