Royal Neighbors Of America [2022 Review]


The Royal Neighbors Of America are a nationwide organisation that have been around for more than 100 years; I’m not sure if you’ve heard of them. It is non-profit and focuses on doing good deeds.

By giving women access to information, opportunities for fellowship, and resources, they enable them to help one another in their communities.

At an annual National Assembly, they also bring like-minded individuals from all around the nation together and host workshops on a variety of subjects, including racial justice and health care. So why are you still waiting? Join now!

Who are Royal Neighbors of America

Royal Neighbors of America: What are they? A brief history of Royal Neighbors of America a fraternal benefit society and one of the biggest life insurers run by women in the country.

In 1895, Royal Neighbors was established. by nine women, for women! One of the leading providers of burial insurance that we regularly work with is Royal Neighbors.

Consider that for a moment.

This was before many states allowed women to vote, own property, or even manage their own finances. Women and children were often not regarded as insurable. (Royal Neighbors of America*, cited)

Royal Neighbors Life Insurance Company

We shall go into great detail about the features of Royal Neighbors of America Life Insurance in this article. In fact, you’ll understand why a Royal Neighbors quotation and coverage are among the greatest options for senior citizens.

We want you to be able to decide why this is the best choice when you have finished reading.

You will understand what we do after you consider the relaxed underwriting and membership savings. that of the choices, this is one of the best.

Fill out the form on the right for a quick quote from Royal Neighbors.


Nine women formed Royal Neighbors 120 years ago.

enabling women to care for their families’ needs. making life insurance and annuities accessible, as well.

such as ultimate expense, entire life, universal life, simplified issue, and life insurance, among others (burial insurance).

Royal Neighbors has a main office in Rock Island, Illinois, and a satellite office in Mesa, Arizona.

A surplus of over $194 billion is also crucial. Also, with an A+ Excellent grade from A.M. Best, this business is exceptionally strong and capable of upholding its contractual duties.

What Are Royal Neighbors Of America Ratings

Above all, it’s critical to buy life insurance from a reputable provider. To be clear, Royal Neighbors of America has an AMBest rating of A-(Excellent)!

For the past five years, Royal Neighbors of America Life Insurance has kept this ranking. They have a steady future.

Click here to learn more about Royal Neighbors.

Royal Neighbors Insurance Reviews

Take it from me, a self-employed life agent who has created countless policies over the course of my career. My rating for Royal Neighbors of America is A+.

Once more, I’m not being paid by RNA to tout how awesome they are. I’m just sharing some of my experiences with you. More than just a policy is offered by their products.

For instance, the membership they offer will result in yearly savings for customers of hundreds of dollars. The premiums will be reduced just by that.

They also provide Royal Neighbors of America Scholarships, which is awesome! Continue reading to learn more about this.

What Is A Fraternal Benefit Society 

Fraternal benefit society Royal Neighbors of America Life Insurance Company.

These are membership organisations at the discretion of Royal Neighbors that bring people together who share a shared interest. enabling them to purchase life insurance to provide for the financial stability of their family.

They provide investing solutions in addition to life insurance policies. Volunteer networks are offered by fraternal benefit societies. They may now deliver financial aid worth billions of dollars and charitable contributions thanks to this.

To empower women and their families through financial education, a 501(c)(3) public charity was established in 2002. providing rewards and scholarships as well.

What Is Royal Neighbors Mission

The insurance company Royal Neighbors of America is a special kind of one. Their goals are to protect lives, assist women, and benefit communities.

having two goals as a fraternal benefit association.

Both life insurance financial protection and neighborhood-helping-neighbor community involvement.

How does Royal Neighbors of America rate with the BBB?

They have an A+ rating with the BBB and are a recognised company.

only 14 complaints have been filed. Nine in the past three years have all closed. 5 of those occurred in the previous 12 months. Not bad at all!

Here is the phone number for Royal Neighbors:

Royal Neighbors Products

Single-Premium Whole Life – Lifelong (permanent) protection with a single premium for a whole life. Value that is assured over time.

Simplified Issue Whole Life – Life-long (permanent) protection, primarily for final costs (burial Insurance). Royal Neighbors Last Expense is our top recommendation for seniors in comparison to some, like Colonial Penn Burial Insurance!

Term Life – Protection for a predetermined length of time, such as 5, 10, 15, 20 or 30 years.

Universal Life –  Flexible alternatives for life-long (permanent) insurance that allows the insured to make changes. If this is a choice for you, ask your independent agent.

Whole Life and Youth Whole Life – A lifetime of protection or coverage. Young ages are the most cheap.

Royal Neighbors Quick Quote

Clients mostly want things to go smoothly and effectively. Receiving a quote from Royal Neighbors is exactly that.

You will learn how convenient they actually are when we go through this topic in more detail.

The Best Burial Insurance For Seniors

Who has the best burial insurance?

Royal Neighbors hands down!

Your age will largely determine the kind of insurance that is best for you. For people 50 to 85, RNA offers between $5,000 and $25,000.

This is crucial for seniors over 75 who are searching for life insurance. When the rates increase when you need it most, this is a fantastic product to take the place of AARP and Colonial Penn!

There are obviously a lot of great carriers out there, including but not limited to Foresters Financial.

Many of the same products are also available from Foresters, however Royal Neighbors of America also offers a voice signature application process.

On the phone, right away! We’ll talk about that afterwards!

Royal Neighbors Final Expense Application

What distinguishes funeral insurance from life insurance?


The idea behind life insurance and burial insurance is the same. Both of these shield your loved ones from having to deal with your debt after you pass away.

Depending on the carrier, the death benefit cap for funeral insurance is $40,000 per person.

Moreover, a medical checkup is often required for life insurance. There is no need for funeral insurance.

This full life policy has been simplified. for the rest of your life, stays level.

Without a doubt, one of our top picks for burial insurance is Royal Neighbors life insurance.

The best is what our seniors deserve.

A voice signature application method is available. This is perfect because it is incredibly handy and many of our senior clients don’t have access to computers.

A certificate of insurance confirming the client’s coverage will subsequently be given to them. It’s that easy. There is no doubt as to why this provider offers some of the most competitive prices in the market for burial insurance.

The Art of Life Insurance…

The practise of life insurance has evolved over time. The digital world provides us with a wide range of simple and quick conveniences.

We just very rarely need to submit hardcopy applications. Of course, it differs from state to state as each has its own carrier options, rules, and laws.

Your unaffiliated agent is an expert in this. He or she will be fully aware of who and what is offered in your state.

Voice Signature Application With Royal Neighbors Life Insurance

What exactly is voice signature then? Your life insurance application can be completed more quickly using voice signature!

In actuality, this indicates that the carrier, your agent, and you complete the entire application during the interview.

This procedure is ideal for any Royal Neighbors goods in addition to the ultimate cost.

Included in this are Royal Neighbors full life, term life, etc.

Once again, our seniors love this. People adore it!

In actuality, no physical is required! No worries, no computers! We guide you through each step of the procedure!

Common Underwriting Questions Royal Neighbors Will Ask

Is the proposed insured presently restricted to a hospital bed, wheelchair, or oxygen apparatus?

Has the proposed insured received a diagnosis or treatment for any of the following in the last 18 months?

  • stroke
  • aneurysm
  • cardiomyopathy
  • circulatory surgery
  • angina 
  • heart attack 
  • heart failure or heart surgery

Has the proposed insured received a diagnosis or treatment for any of the following in the last 24 months?

  • internal melanoma
  • melanoma\sleukemia
  • Cirrhosis of the liver
  • renal failure
  • long-term kidney disease
  • chronic lupus

Has the proposed insured been identified as having a condition that is anticipated to cause death within 12 months during the previous 18 months?

Has undergoing drug or alcohol counselling been suggested to you?

Have you ever received a diagnosis or treatment for AIDS or an ARC (AIDS Related Complex)?

You would not be eligible for the level benefit burial insurance plan if you provided a yes answer to any of the aforementioned questions.

Is Royal Neighbors Eligible For Graded or Modified Death Benefits?

The following questions must be answered positively to be eligible for a graded death benefit.

Has the proposed insured received treatment for any of the following during the previous 24 months?

  • stroke
  • angina (chest pain)
  • heart attack
  • cardiomyopathy
  • heart or circulatory surgery including, pacemaker, heart valve replacement, bypass, angioplasty, stent implant or any procedure to improve the circulation to the heart or brainHas the proposed insured received treatment or a diagnosis for any of the following during the last 24 months?

During the past 24 months, has the Proposed Insured been diagnosed as having or treated for the following?

  • emphysema
  • COPD
  • tuberculosis
  • Neuromuscular conditions such as MS, Lou Gehrig’s disease, epilepsy, or Parkinson’s disease COPD tuberculosis

How Long Is The Voice Signature Call 

You and your agent discuss certain fundamental details prior to the three-way conference call to ensure that you are eligible for Royal Neighbors.

such as your prescription drugs, a few medical questions for underwriting, your full name, date of birth, address, the banking information you want saved, the draught date, the beneficiary information, etc.

The call typically lasts between 15 and 20 minutes to explain. once that call has ended. In the majority of cases, the application is accepted, and the money is released the next business day.

Rarely, additional underwriting review may be required. The representative will inform us, and we’ll move forward from there.

To be clear, Voice Signature is not just for ultimate expenditure insurance. With this carrier, a variety of things.

How Do I Get A Quote For Life Insurance Or  Burial Insurance

How can I acquire a Royal Neighbors rapid quotation the easiest method possible? At the top of this page, on the left, is a link to the Royal Neighbors quote engine.

Once the quote field is filled up, a “ballpark quote” will display right away.

In fact, you can reach us at PinnacleQuote Life Insurance Experts at (855) 380-3300 for a more precise estimate.

You will also be asked a few pre-qualification health and lifestyle questions. By doing this, it enables us to choose the carrier that offers the greatest coverage and rates for you.

Royal Neighbors Single Premium Whole Life​​

Numerous customers enquire about this product. Lifelong insurance is available with a single premium for whole life.

To avoid having to make premium payments for the rest of your life, you pay your premium all at once.

Yes, you will have a death benefit on your insurance policy.

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What is a Free-Look Period

Every carrier gives you a window of time after you receive your policy to review it.

The free-look period for Royal Neighbors is 20 days.

In fact, you have the option to amend or cancel your order at any time for any reason.

Royal Neighbors Of America Complaints

What are the opinions of Royal Neighbors of America?

Let’s face it: the BBB (Better Business Bureau) occasionally will have complaints against a company on file.

This occurs, however please appreciate that we are not aware of every situation. What I discovered while researching this topic is listed below.

This carrier has received an A+ rating from the BBB. In the past three years, nine complaints have been resolved. Four concerns were resolved just in the past year.

Extenuating conditions are frequently present in complaints.

Also, a client can occasionally have allowed a policy to lapse.

The truth is that every business occasionally receives unfavourable reviews.

Do you have any worries? Consult your private agent. We are a family-run company. We exclusively place you in A+ rated items and carriers!

Royal Neighbors Contact Information

The phone number for Royal Neighbors is

(800) 770-4561

The address of Royal Neighbors Insurance Company is:

American company Royal Neighbours

16th Street, 230

Chicago, Illinois 61201

Also, you can visit

Royal Neighbors Of America Scholarship

What are the advantages of joining Royal Neighbors?

Those who are enrolled in local community colleges and trade schools to further their education are offered by and supported by the Royal Neighbors.

Each year, they award scholarships. This enables members to receive aid with their tuition expenses.

You may view the application for this scholarship at

What you’ll require is:

  • Number on the Royal Neighbors App Certificate
  • 4 essay questions need answers.
  • Statements of work and transcripts
  • To learn the eligibility dates for the 2019–2020 year, call the Royal Neighbors customer care line at (800) 627–4762.

Royal Neighbors of America Agent Login

Login for Royal Neighbors of America Agents If you are a licenced independent agent designated by Royal Neighbors of America, this will be helpful to you.

The Royal Neighbors Agent Portal can be accessed at this link:

You would begin your Royal Neighbors login process here.

In the end, you’ll be in the agents’ login area for Royal Neighbors of America. Call the agents at Royal Neighbors Insurance at (800) 770-4561, Option 1, or Option 5 if you have any questions.

It’s crucial to be aware that Royal Neighbors of America provides goods and services for those who are starting families or approaching retirement.

Also, avoid conflating Royal Neighbors of America and loyal American life insurance businesses. NO AFFILIATION EXISTS.

In general, customers occasionally mistakenly associate “Loyal” with Royal American Insurance Company. One of CIGNA’s companies, Loyal American Life Insurance Company, provides Medicare supplements. They provide supplement programme.


Royal Neighbors of America: What are they? A brief history of Royal Neighbors of America a fraternal benefit society and one of the biggest life insurers run by women in the country. We provide reasonable insurance rates if that’s what you’re after! To find out how much extra coverage you are eligible for with us, request a quote today.


Are you trying to find Florida burial insurance?

We are a Jacksonville, Florida-based family business. Despite having an office in Jacksonville, we have a licence in 49 states.

In actuality, Hawaii is the only state we don’t serve in the US. simply because we don’t want to be up at three in the morning! LOL

In addition to Royal Neighbors Insurance, we provide more than 300 products.

Hence, remember that you don’t have to speak with a Royal Neighbors representative alone (captive agent).

To be clear, we are independent agents capable of shopping you to more than 50 carriers at once. In light of this, your own tiny personal shopper is assisting you in safeguarding your family! How Fantastic!

Who the Owner Is

The founder, owner, and free agent is Danny Ray. Danny has been in this industry for more than 27 years.

In fact, it is his passion and aim to give you choices so that you can base your decision on what is best for you and your family.

About Me, Lisamarie

Lisamarie is my name. Senior specialist is who I am. My responsibility is to take care of all final costs, assist with all customer paperwork, market our business, and arrange all of his phone appointments.

I suppose you could argue that I am both his future wife and right-hand woman. Together, we are fortunate to be able to provide our customers the greatest products at the lowest prices.

Not a “One Size Fits all” Process

Life insurance is not a “one size fits all” product, it must be kept in mind. Thus, it is essential that we communicate with you personally in order to give you a quote that is accurate. Based on the data you give us, we have determined this.

We also anticipate meeting with you and assisting you in achieving your life insurance objectives. (855) 380-3300 ext. 2.

Set up a time and day that will work best for talking to Danny.

To schedule a phone consultation, send me an email at or give me a call.

In actuality, Danny is accessible every day of the week. 9-9pm EST. scheduled for the weekend. You can contact him at any time with any questions you might have.

Go here for additional details about family financial security.

Something to think about…

As a result, anything can happen in life at any time.

Major illnesses, natural calamities, and harm from those sources are all possible. This is the situation where life insurance is crucial.

No one can guarantee a tomorrow free of sickness or physical harm.

To emphasise, I said property damage even though you could still get wounded physically. God forbid it takes place. You provide financial support for your family. Die if you get wounded or worse. What does your family currently do?

To the left is a tool for citing royal neighbours. Let’s start! Get a free quote right away!