Complete Royal Neighbors Life Insurance 2023 [Reviews/ Rates]

Senior customers are constantly searching for the greatest goods and services to satisfy their requirements. Finding the ideal product for your needs is a challenging endeavour, but it will be worthwhile in the end.

In order to help older individuals choose the finest policy for them, we will evaluate Royal Neighbors Life Insurance of America 2021 in-depth in this blog post.

Royal Neighbors Of America Final Expense Insurance

A funeral policy is what? Even for young adults, it is essential to have a burial policy in place. When you pass away, it shields your loved ones from having to deal with your debts.

There are several names for it, such known funeral insurance, final expense insurance, and burial insurance. They all refer to the same thing: a simplified whole life insurance policy with a maximum payout of $25,000.

“Your family is shielded from the

financial burdens they will bear

after you pass away by a

burial insurance policy.”

Is it wise to purchase burial insurance? YES! All of your final expenses are covered by this kind of policy. It is intended to cover costs associated with funeral homes, caskets, travel, flowers, music, ceremonies, cremations, etc.

Who Are Royal Neighbors Of America

Royal Neighbors Life Insurance: Who Are They?

Eight women created Royal Neighbors of America in 1895.

They belong to a fraternal aid society. A fraternal benefit society has no stockholders, similar to a mutual insurance company.

Insured members receive a reimbursement from them when their income from premiums and investments exceeds the costs of all of their operations and claim payouts. Who wouldn’t want a check after a prosperous year financially?

They were among the first insurance companies to offer coverage for young people and women.

They are one of the biggest enterprises run by women, and they empower women on a regular basis!

Details about Royal Neighbors Life Insurance Company

S&P Rating A- BBB Rating A+ A.M. Best Rating A

800-627-4762 for customer service Website

Royal Neighbors of America is located at 230 16th Street in Rock Island, Illinois, 61201-8645.

What Are Royal Neighbors Ratings and Consumer Reviews

Above all, Royal Neighbors of America has a BBB rating of A+ and has only had four complaints in the last three years.

They have a good reputation because only one complaint was resolved against them in the past 12 months.

Five Google reviews with aggregate ratings of four stars highlight outstanding service, but they also provide few data regarding the locations and methods of these agents’ employment, leaving us to question if one of them was a victim of identity theft because their name was amusing. Financial performance Royal Neighbors has had good financial results.

In either case, I send out good vibes to everyone.

Royal Neighbors Quick Quote How Much Does Burial Insurance Cost

Once more, you can phone us or fill the form on the right for a Royal Neighbors of America rapid quote. I will provide you a qualified estimate and make it available to you in ten minutes. (855) 380-3300.

A distinctive and intriguing organisation is Royal Neighbor. Like many businesses of a similar nature, Royal Neighbor does not provide online quotes but rather offers an estimate for $25 per month on their website, leaving out certain information like the state in which the policy is applicable or the age requirement for purchasing it at this price.

Royal Neighbors Of America Simplified Whole Life Policy

What do the terms “graded death benefit” and “preferred death benefit” in a simplified whole life policy mean?

“Do you think this product is superior

to AARP, Colonial Penn, and Globe Life?

YES! And this is why…”

Day one is covered in the facts for simplified whole life! NO TWO YEAR WAITING SCHEDULE!

For the rest of your life, level benefit. A policy with Royal Neighbors of America will ALWAYS be in effect, unlike those from AARP, Colonial Penn, and even Globe Life. Your single premium will never go up and your coverage quantity will never go down. EVER! People with impairments, terminal illnesses, and cancer may be allowed to use their whole life insurance coverage to assist pay for their medical costs.

Below #2 through #7 are the qualifying preferred knockout questions for Royal Neighbors’ final expense application.

Royal Neighbors Of America Simplified Whole Life Policy

Although the coverage amount and graded death benefit from Royal Neighbors both NEVER expire, they only provide a small set of benefits. This indicates that you qualify for a graded policy if you respond positively to the following knockout questions.

Graded benefits provide coverage ranging from $5,000 to $10,000 minimum. The payout is additionally restricted to a graded policy. The payout to your beneficiary will be 30% of the face value if you pass away within the first year of the policy’s operation.

The payout would be 70% of the face value if you passed away during the second year that the policy was in effect. Should you pass away after the two years have passed and been satisfied, your beneficiary will receive the entire death benefit.

Other Life Insurance Options Offered By Royal Neighbors Insurance

Royal Neighbors Insurance Provides Additional Life Insurance Options

Find the ideal life insurance plan with the assistance of Royal Neighbors Life Insurance of America.

We provide both term and permanent coverage, so no matter what their circumstances or protection needs are, your loved ones will be taken care of while still being within your budget.

For those who only require short-term protection, term life insurance products are a fantastic choice. You may take care of your financial obligations while still being safeguarded against the risk associated with death or incapacity thanks to its low cost and affordability!

Those looking to safeguard their families can choose from a range of coverage options with Royal Neighbors life insurance. The business has created JETerm, which can offer a rapid decision and insurance coverage up to $500K without the need for an underwriting procedure!

Only those ages 18 to 60 are eligible for this product, so don’t wait to apply by calling us at 855-380-3300 right away.

Term Life Insurance Riders

Overall, you may further personalise your term life insurance policy from Royal Neighbors by adding riders. These consist of:

  • Rider for Disability Waiver
  • Accident Death & Sickness, with Accelerated Benefits
  • Guaranteed Insurability
  • Child Rider is distinctive in that it provides coverage for children up to the age of 18 and then continues as supplementary

If a diagnosis or recurrence occurs, the Promise Plus cancer waiver rider is intended to provide assistance. Your premiums will be waived for two years if you are determined to have one of the qualifying conditions!

Royal Neighbors Of America Member Benefits

Final cost incurred by Royal Neighbor All Royal Neighbors members have access to an amazing discount and savings programme called Member Savings.

In fact, these advantages include savings on a wide range of items, including prescription medications, lab work, imaging services like MRIs and Cat scans, eye and dental care, legal services, and retail benefits like hotels, rental cars, movie tickets, in-person and online shopping.

“The best thing is that these savings and reductions are available to the policyholder’s spouse, children, and other close relatives as well! The members of their immediate family are not required to hold policies. The policy includes this!”

Discount Services Provided By Royal Neighbors

If you’re looking for a fraternal organisation with a benefits package that is both varied and rewarding, The Royal Neighbors is the finest choice. Membership through authorised businesses and healthcare providers also comes with a number of other advantages and savings.

They offer beneficial member advantages in every area of life, ranging from home insurance coverage with no underwriting limits on appliances or personal property to disability management services for those unlucky enough to require them!

  • Dental savings help members save 5% to 50% on the majority of dental procedures, such as general cleanings, dentures, and routine oral exams. These reductions are available at more than 176 thousand participating access points!
  • You may have your eyesight repaired while still saving money thanks to vision discounts. Are you prepared to do this? Members save between 40% and 50%.
  • Discounts on diagnostic services and savings on hearing aids? Purchase Royal Neighbors! We at Royal Neighbors are here to protect you from high medical costs. At more than a dozen sites in your neighbourhood, they provide discounts on all of their goods and 30% off when it’s time for new hearing aid technology or an annual physical (including some free ones).
  • Leading supplier of discounted lab services is DirectLabs. Depending on the treatment you need done, the discount programme offers savings of 10% to 80%!
  • The easiest approach to save money on your prescriptions is through prescription drug discounts. Whether you require a brand-name or generic medication, MedImpact’s network of over 60,000 partner pharmacies offers discounts ranging from 15% to 60%.

Final Expense Life Insurance No Exam

There is no medical exam necessary with final expenditures and streamlined whole life insurance policies. The procedure is actually fairly easy. A number of health and lifestyle questionnaires as well as the aforementioned medical questions are used to qualify you, in addition to other things.

Of course, once you have decided on the desired level of coverage, we conduct the full application process over the phone in a three-way conversation with you, the insurance company, and your independent agent.

The Voice Signature Application Process is what is used for this. The entire process takes about 20 to 30 minutes. Following the insurance company’s verification of the data you and your agent discussed, your name and the current date serve as your signature.

It is the nicest thing since sliced bread and is similar to signing a document!

What Are The Value of Royal Neighbors of America

The best protection is provided by the wonderful plan of the Royal Neighbors. There is no limit and a minimum face amount of $5,000 is available!

If you were to contrast the cost of this coverage with other providers like Colonial Penn or AARP, who charge more more than they ought to, the cost would be incredibly low.

Fortunately, we have a variety of solutions if your existing provider is inadequate for our requirements.

Burial insurance from Colonial Penn and AARP is too overpriced. To find out how much you may be paying less, fill out this quote form! Danny Ray, Founder Every insurance company is unique, so there isn’t a single strategy that works for all of them.

Because Royal Neighbors places a special emphasis on comprehending your unique medical history, which may include straightforward problems like liver or kidney complications from having Type 1 or Type 2 diabetes, respectively, they are the ideal company for those with diabetes to get their burial insurance needs taken care of!

Royal Neighbors Of America’s Underwriting Health Niche’s

Do you have any health issues? Do you worry about obtaining coverage? So, don’t worry! Here are a some of the underwriting specialties that set Royal Neighbors apart from the competition.

  • Neuropathy
  • diabetes
  • retinopathy
  • brain tumors (actually- any tumor)
  • blood clots
  • mini-strokes
  • home health care
  • blood thinners prescribed YESTERDAY
  • assistance with ADL’s
  • hepatitis that has been cured more than years ago
  • cancer more than once
  • metastatic cancer (also a 2 year look back on cancer)
  • No build chart
  • diabetes before age 50 (will ask about insulin prior to age 30 though)
  • A-fib
  • cystic fibrosis
  • sarcoidosis
  • pacemaker battery changes don’t count as heart or circulatory surgery
  • mental health including schizophrenia.

So now you know why our senior’s first choice is Royal Neighbors! In fact, the majority of our customers are grown adults whose parents they want to get funeral insurance for.

They also know that the financial burden will fall on them, so they buy final expense insurance to stop that from happening during such a difficult time. This is mental tranquilly, and that is PRICELESS!

How are RNA’s Claims Processed

On the member forms page, there are links that will send you directly there even if there isn’t a direct link to submit a loss claim.

The site makes it simple to reach these pages and puts them at the bottom, but because they don’t pop up immediately like other elements of our service could, it can be challenging.

Additionally, it forces visitors looking for more information about submitting claims into antiquated formats even when both parties involved have made an effort to ensure that they receive the information they need.

How Much Life Insurance Do I need

You won’t pass away today! Hopefully!!! The price of a funeral now will differ from the price of a funeral in 20 or 30 years. We usually advise you to take twice as much as you would require, especially if your family is known for its longevity.

Royal Neighbors Of America Member Benefits

Royal Neighbors Home Office Contact Information

American company Royal Neighbours

Rock Island, Illinois, 61201, 230 16th Street.

Phone number for Royal Neighbors of America is (855) 468-8900 .


If you want peace of mind in the event that you die away, the Royal Neighbors of America Burial Insurance 2021 is a perfect option. However, many people are unaware of how inexpensive this insurance may be and may pass up the chance to save money by buying a coverage now rather than later. We hope our review has given you a better understanding of the options available through this life insurance coverage, whether you are thinking about burying your parents or just want some protection against worst-case scenarios!