2023 Royal Arcanum Life Insurance Review (Top Carrier)

2024 Royal Arcanum Life Insurance Review (Top Carrier)

February 17, 20248 min read

So you’ve come here to find out more about Royal Arcanum Life Insurance and determine whether or not this firm is a good fit for you. You’re at the correct place, then.

Royal Arcanum is a fraternal company founded in 1877 with its main purpose to provide moral and material aid, morality, patriotism, and brotherhood to its members.

2023 Royal Arcanum Life Insurance Review (Top Carrier)

Additionally, members should get intellectual, moral, and social education. But most importantly, helping surviving family members and paying out death compensation.

They also offer annuities and student loans. Ratings from the Royal Arcanum are actually better.

They have thus been defending families for more than 140 years in all! In fact, they are actively involved in the community and provide grants and scholarships.

You may be sure that the business upholds moral principles because of its motto, “No act of kindness, no matter how tiny, is ever wasted.”

So let’s get to the meat of the matter: how are their other products, such as life insurance for final expenses?


What Is Royal Arcanum Final Expense Life Insurance

Two final expense/burial insurance policies are offered by Royal Arcanum. They have a graded or modified policy in addition to an immediate coverage policy.

In general, your eligibility will be based on your health and how you respond to the application’s health questions.

Both will be covered here. As long as you reside in the places where they are offered, you learn that both are among the greatest options available.

2023 Royal Arcanum Life Insurance Review (Top Carrier)

Simplified Issue Whole Life

King’s Arcanum The most competitive rates, accommodating underwriting, and straightforward application procedures can all be found with Simplified Issue Whole Life Insurance.

Additionally, only 7 health-related questions are required to see if you qualify. The amount of your premiums will depend on this.

The Features are as follows:

  • Death Benefit NEVER diminishes, and Premiums NEVER go up

  • Problem ages (No Medical Exam), Age 20-85, $2,500

  • Minimum Face Amount

  • Age 20-69: $50,000; Age 70-85: $25,000; Maximum Face Amount

What about people above the age of 85? These are one of the few carriers that will provide coverage at age 85.

Graded Benefit Plan

One of the top Graded Whole Life insurance in the business is offered by Royal Arcanum. They will simply ask you to answer two questions in order to qualify.

Therefore, this might be the strategy for you if you have any serious pre-existing conditions.

The Features are as follows:

  • Return of all payments paid + 4.5% interest for the first certificate year

  • 25% of the death benefit will be paid during the second certificate year.

  • 100% of the death benefit is paid beginning with the third certificate year.

Ages 45–85 (50–75 in New York), amounts ranging from $2,500–15,000 (up to $25,000 in New York), and NO MEDICAL EXAM

The prerequisite inquiries are as follows:

As you can see, qualifying is fairly simple, and this is a fantastic alternative to the usual guaranteed issue whole life with a ROP+10% offered by gimmick carriers like Colonial Penn and Open Care.

Royal Arcanum Final Expense Insurance Rates

Let’s provide you some example rates now that you are aware of how to qualify using Royal Arcanum. We’ll base these on a $10,000 insurance policy. Compare prices right away for burial insurance of 25,000 or more.

Keep in mind that whole life insurance runs from $2,500 to $50,000 for the simplified issue and from $2,500 to $15,000 for the graded plan.

Rates Of Final Expenses For Males Over $10,000

BOLD’s prices are really competitive.

Female Final Expense Rates Under $10,000

Sensibly Issue $10,000

BOLD’s prices are really competitive.

Take a moment and read what our customers have to say about us.


What is Royal Arcanum Application Process

The Royal Arcanum procedure is incredibly basic and straightforward. In actuality, the entire procedure can be carried out without a qualified agent visiting your house.

You must first meet the requirements and confirm that the product is offered in the state where you now reside.

We determine how much coverage you require based on your budget once you have been approved and know your exact rate class.

Affordability is the most crucial factor in this procedure; why purchase an insurance if you won’t be able to pay for it in 2, 3, or 12 months? The insurance company, which keeps all of your premiums, is the only one who benefits in that situation.

Additionally, you are not covered, and I must reimburse the insurance provider for the advance payment.

When everything has been figured out, the application is submitted immediately over the phone. You choose your due date at this point, and we verify your address and payment information.

You can choose an effective date or have the coverage begin immediately. Then a DocuSign for electronic signatures is issued to you by email or SMS text.

You have coverage, BAMM!

Single Premium Whole Life

The complete life certificate is covered by this plan’s one-time payment. You can rest easy knowing that under the protection of Royal Arcanum, you and your loved ones are safe!

Plans include:

  • Ages 0 to 15: $3,000 to $50,000

  • Ages 16 to 80: $3,000 to $100,000

  • Immediate Cash Value Dividend Participation

  • Fully Paid Up Protection

When you can prepare for the future, why stress about making monthly payments?

20 Pay Life

Pay Life With Royal Arcanum 20 times. After the 20th year, you are exempt from payments under the This policy also provides a living benefit. Additionally, if you need to use some of the cash value for retirement, student expenses, or other unanticipated expenses, you can do so.

Guaranteed Educational Loans for Juniors; You will receive a college educational loan up to $10,000 at 4% interest if you are enrolled as a junior from age 0 to 14 years and 11 months for $50,000 in coverage.

  • 0 to 4 years and 11 months, $10,000

  • Age 5-9yrs 11 months, $6,000

  • 11 months old and costing $4,000

The Features are as follows:

Loans secured by fully paid-up dividend participation certificates

Life Paid Up at 65 Plan

Your certificate is paid up when you turn 65, and you are no longer obligated to pay premiums. However, with this one straightforward policy, life continues to safeguard you for however long is necessary!

perks of life paid off by age 65:

After two years of membership, the certificate is eligible to take part in all surplus distributions.

  • CERTIFICATE LOANS: Amounts up to the certificate’s cash value may be borrowed against it as collateral.

  • PROTECTION MAY BE EXTENDED: If premiums are not paid, the Certificate’s protection may be maintained for as long as a member’s equity allows.

  • PAID-UP PROTECTION: The Life Paid-Up at 65 certificates are fully paid up if all premium payments are made until the age of 65. A lower paid-up participation Certificate will be granted upon application before the age of 65 for the maximum amount the member’s cash worth will allow.

  • CONVENIENT PREMIUM PAYMENTS: Quarterly, Semi-Annual or Annual payments to meet your own budget.


You might invest now in Royal Arcanum Annuities to have savings or income in your retirement years. Your annuity will make up any income deficit from savings during retirement.

Here are several excellent justifications for buying a Royal Arcanum Annuity:

  • Membership in one of the oldest fraternal benefit societies in the United States at one of the most affordable fees in the sector

  • reduces the cost of probate

  • There is no premium, transaction fee, or contract fee.

  • Every cent increases your financial value.

  • Earn interest right away.

You will also have alternatives when the life income matures or after a certain amount of time.

Educational Loans & Scholarship Programs

There are loan and scholarship options offered by Royal Arcanum to help with higher education. Some of the advantages of these programmes that members might enjoy are listed below.

Scholarships & Grants

For graduating high school seniors who want to pursue higher education, scholarships are available! You only need to meet the necessary requirements, such as being under 20 years old.

  • Two $10,000 Scholarships

  • Two $8,000 Scholarships

  • Two $5,000 Scholarships

  • $1,500 Scholarships

  • Five $600 Grants each for graduating High School Seniors.

  • Ten $250 Grants each for College Sophomores, Juniors, and Seniors. Winners were drawn by lottery from applications submitted by members in good standing who have not won a Royal Arcanum Scholarship.

  • Four $750 Grants awarded on a competitive basis to students enrolled in undergraduate programs, who have completed at least one year in an accredited college

  • Four Awards of $500 each were selected by random drawing.

  • Orphan Scholarships: Up to $20,000.

Final Thought

Consider Royal Arcanum if you’re searching for life insurance, an annuity, or if you need to borrow money for education.

For more than 140 years, this fraternal company has offered high-quality services and goods. They provide a range of services and can meet the needs of any customer.

And if you’re fortunate enough to receive one of their scholarships, you’ll have little to no debt when you go to college!

So why are you still waiting? Request a price today!

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