Carrier Review
Royal Neighbors of America
Simplified issue whole life and member benefits
A.M. Best
A- (Excellent)
Founded
1895
Headquarters
Rock Island, Illinois
A fraternal benefit society founded by women, Royal Neighbors combines life insurance with member benefits and community giving programs.
Products offered
Whole LifeTerm LifeFinal Expense
Pros and cons
What we like
- Member benefits including scholarships and community grants
- Simplified issue products with quick approval
- Strong niche in women-focused coverage
What to watch
- Smaller product shelf than national carriers
- Lower face amount limits on some products
Underwriting
Simplified; short health questionnaire on most final expense products.
Our verdict
A great fit for clients who value the fraternal benefit model and need moderate coverage amounts with easy underwriting.
Royal Neighbors of America FAQs
Someone is always watching over your family.
That's the whole idea. Let's make sure the plan behind it is real, funded, and matched to the people you love.