Royal Neighbors Burial Insurance: 2025 Review and Member Benefits
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Selecting a reputable provider for burial insurance is crucial for ensuring financial security and peace of mind. Royal Neighbors of America, with a legacy spanning over a century, offers burial insurance policies that cater to diverse needs.
This comprehensive 2025 review delves into the features of Royal Neighbors’ burial insurance, evaluates the company’s standing, and highlights the benefits available to its members.
Who are Royal Neighbors of America
What are Royal Neighbors of America? A little Royal Neighbors of America history… a fraternal benefit society and one of the nation’s largest women-led life insurers.
Royal Neighbors was founded in 1895. Created by 9 women for women! Royal Neighbors burial insurance is definitely one of the top burial insurance carriers we work with daily.
Think about that for a second…
This was before women could vote, own property in many states, or even have control of their own money. Neither women nor children were generally considered insurable.” (quoted by Royal Neighbors of America*)
*Ballpark Quote
Overview of Royal Neighbors Burial Insurance
Royal Neighbors of America provides simplified issue whole life insurance policies, commonly referred to as burial or final expense insurance. These policies are designed to cover end-of-life expenses, ensuring that beneficiaries receive a tax-free cash benefit to manage funeral costs, medical bills, or other outstanding debts.
Key Features:
- Cash Value Accumulation: Policies build cash value over time, which can be borrowed against if needed.
- Simplified Issue: No medical exam is required; eligibility is determined through health questions.
- Immediate Coverage: For qualified applicants, full death benefits are available from day one.
- Fixed Premiums: Premiums remain constant throughout the policyholder’s life.
Ensured Legacy Final Expense Insurance
The Ensured Legacy Final Expense Insurance plan by Royal Neighbors provides reliable financial protection for families during difficult times. Offering three flexible coverage options—Simplified Issue, Graded Death Benefit, and Guaranteed Issue—this plan is tailored to fit diverse health conditions and needs.
With features like level premiums, customizable riders, and guaranteed coverage, it ensures your loved ones are supported with essential funds for end-of-life expenses, such as funeral costs, medical bills, and outstanding debts. Choose a plan that offers peace of mind and a lasting legacy.
| Feature | Details |
|---|---|
| Coverage Options | Simplified Issue ($5,000–$40,000), Graded Death Benefit ($5,000–$20,000), Guaranteed Issue ($3,000–$10,000) |
| Issue Ages | SIWL: 50–85 (Standard), 50–75 (Preferred); GDB: 50–85; GI: 50–80 |
| Premiums | Level, guaranteed premiums payable for life (or until age 121) |
| Payment Options | Monthly, quarterly, or annually via EFT or billing |
| Riders | Accelerated Death Benefit, Accidental Death Benefit, Charitable Giving, Grandchild Rider |
| Free-Look Period | 30 days (or longer if required by state) |
| Feature | Details |
|---|---|
| Coverage Amount | $5,000 – $40,000 |
| Charitable Giving Rider | 1% to a charity of your choice (max $1,000) |
| Grandchild Rider | $5,000 coverage for grandchildren |
| Accidental Death Benefit Rider | Additional protection for accidental death |
| Accelerated Death Benefit Rider | Access part of the benefit for terminal illness |
How Much Does Burial Insurance Cost with Royal Neighbors
When planning for the future, understanding the cost of Royal Neighbors burial insurance is crucial.
Your investment in this policy hinges on several personal factors such as age, gender, overall health, location, tobacco use, and the amount of coverage you choose.
At PinnacleQuote, we provide clear, straightforward pricing to ensure you can find a plan that fits your budget without any surprises.
| Factor | Description |
|---|---|
| Age | The younger you are when you purchase your policy, the lower your premiums will generally be. |
| Gender | Statistically, women often pay slightly less for funeral insurance than men. |
| Health | Your medical history and current health play a significant role in determining your premiums. |
| State of Residence | Insurance costs can vary by state due to different regulations and risk pools. |
| Tobacco Use | Non-tobacco users benefit from lower rates due to the associated health risks of tobacco. |
| Coverage Amount | Naturally, the more coverage you need, the higher your premium will be. |
Get A Quote Today
Here at PinnacleQuote, we offer personalized quotes to give you a clear idea of what you might expect to pay for a policy worth $10,000, especially if you’re a non-tobacco user.
Our goal is to help you secure a plan that ensures your loved ones are taken care of without any financial strain.
$10,000 Female Rates by Age and Plan Type
| Age | SIWL | Graded | GI |
|---|---|---|---|
| 50 | $37.15 | $50.95 | $66.45 |
| 55 | $41.55 | $55.95 | $79.35 |
| 60 | $42.45 | $57.45 | $101.05 |
| 65 | $48.55 | $71.35 | $126.15 |
| 70 | $60.95 | $93.55 | $169.65 |
| 75 | $88.05 | $135.25 | $239.25 |
| 80 | $125.35 | $190.55 | $343.65 |
| 85 | $170.55 | $258.65 | NA |
$10,000 Male Rates by Age and Plan Type
| Age | SIWL | Graded | GI |
|---|---|---|---|
| 50 | $43.85 | $63.65 | $85.75 |
| 55 | $50.45 | $70.65 | $102.85 |
| 60 | $54.95 | $75.75 | $126.15 |
| 65 | $64.15 | $93.55 | $159.55 |
| 70 | $82.35 | $130.15 | $221.85 |
| 75 | $121.65 | $183.75 | $313.15 |
| 80 | $169.65 | $254.95 | $365.45 |
| 85 | $235.15 | $351.45 | NA |
*Ballpark Quote
Pros and Cons of Burial Insurance with Royal Neighbors
When it comes to choosing final expense life insurance, it’s important to weigh the advantages and limitations of a policy.
Royal Neighbors of America, represented by PinnacleQuote, offers a well-regarded final expense insurance plan with features that cater to a wide range of needs.
Pros
- Immediate Coverage: The Simplified Issue Whole Life (SIWL) option comes with no waiting period, so coverage starts right away.
- Flexible Underwriting: Royal Neighbors is known for accepting various health conditions, particularly beneficial for those with a history of diabetes.
- Obesity is Not a Disqualifier: There are no strict guidelines on height and weight, which is a significant plus for those with obesity.
- Competitive Pricing: Most age groups will find the rates reasonable and in line with industry standards.
- Efficient Approval Process: The underwriting process is quick, often resulting in same-day approvals.
- Stable Premiums and Lifelong Coverage: Once you sign up, your premiums remain fixed, and the coverage is lifelong.
- Reputable History: With over 120 years in business and an A (Excellent) rating from A.M. Best, the company’s longevity speaks for itself.
- Exclusive Member Benefits: Policyholders enjoy additional benefits without extra costs.
- Philanthropic Efforts: The company is committed to giving back, with a strong history of charitable contributions.
- Pioneering Spirit: Royal Neighbors was a trailblazer in offering insurance to women and children and continues to advocate for women’s issues.
Cons
- Alternative Cost Options: There may be more affordable options available from other providers.
- Higher Rates for Certain Ages: Individuals between 50-59 might find the premiums higher compared to other companies.
- Minimum Coverage Amount: The lowest policy starts at $7,000, which is more than what some competitors offer as their minimum.
- Limited Availability: Not all states have this insurance product on offer.
- No Guaranteed Acceptance: Those looking for guaranteed acceptance without health considerations will need to look elsewhere.
Get a Quote Today
At PinnacleQuote, we aim to provide you with transparent information to help you make an informed decision.
It’s our commitment to ensure you choose a final expense policy that aligns with your needs and gives you and your family the peace of mind you deserve.
Benefits of Choosing Royal Neighbors
Choosing Royal Neighbors burial insurance means you’re opting for a provider with a long-standing reputation for customer satisfaction and financial stability.
Their policies are known for affordable premiums, flexible coverage options, and an easy application process, ensuring that your final expenses are taken care of with dignity and respect.
Member Benefits of Royal Neighbors
Beyond insurance coverage, Royal Neighbors offers its members a range of benefits aimed at enhancing their quality of life:
- Discount Programs: Members enjoy discounts on prescriptions, dental, vision, hearing services, and more.
- Scholarship Opportunities: Financial assistance is available for members pursuing post-secondary education.
- Community Involvement: Members can participate in local chapters and volunteer projects, fostering community engagement and support.
*Ballpark Quote
Evaluating the Value of Royal Neighbors Burial Insurance
When securing your family’s future, it’s crucial to select the right insurance. Royal Neighbors final expense insurance, available through PinnacleQuote, is a worthy consideration for your burial and final expenses.
Why Royal Neighbors Insurance Stands Out:
- Competitive Pricing: While prices are generally favorable, those aged 50-59 should particularly review their rates.
- Flexible Underwriting: Acceptance is more likely here for seniors with health issues, which might be declined elsewhere.
- Support for Good Causes: The company’s involvement in philanthropy adds an ethical dimension to your investment.
- Valuable Member Benefits: Policyholders gain access to benefits that enhance the value of their plan.
- The Graded Plan Option: In certain situations, a graded plan, which adjusts benefits over time, may be the best available choice.
It’s essential to consider the graded policy only if it’s the best option for your specific health situation.
PinnacleQuote provides detailed information on various health conditions that Royal Neighbors covers, helping you make an informed choice without a waiting period for coverage.
In sum, Royal Neighbors burial insurance is indeed a product worth considering, particularly for its inclusive approach and the extra advantages it brings to its members.
At PinnacleQuote, we are dedicated to guiding you towards an insurance solution that not only meets your needs but also offers a broader positive impact.
- Afib
- Aneurysm
- Arthritis
- Asthma
- Bipolar disorder
- Blindness
- Blood clots
- Blood thinners
- Cancer (if > 2 years ago)
- Circulatory surgery (if > 2 years ago)
- Crohn’s disease
- Depression
- Diabetes (type 1 or 2)
- Diabetic neuropathy
- Diverticulitis
- Fibromyalgia
- Grave’s disease
- Heart attack (if > 2 years ago)
- Heart surgery (if > 2 years ago)
- Hepatitis (if > 2 years ago)
- High blood pressure
- High cholesterol
- Home health care
- Multiple instances of cancer
- Pacemaker (installed > 2 years ago)
- Retinopathy
- Schizophrenia
- Scleroderma
- Severely overweight
- Sleep apnea
- TIA mini-strokes
- Tumors
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Royal Neighbors Life Insurance Company
In this article, we will go over the qualities of Royal Neighbors of America Life Insurance in great detail. In fact, you will know why a Royal Neighbors burial insurance quote and coverage is one of the very best available to seniors.
When you are done reading we want you to be able to make a great decision on why this will be the best option.
From the lenient underwriting to membership savings, you will realize what we do. That this is one of the best options available.
For a Royal Neighbors Quick Quote fill out the form on the right.
WE WERE FOUNDED BY WOMEN, FOR WOMEN!!!
Company Reputation and Longevity
- Mission-Driven: As a fraternal benefit society, Royal Neighbors operates on a “neighbor-helping-neighbor” philosophy, emphasizing community service and support.
- Established History: Founded in 1895, Royal Neighbors has been providing insurance solutions for over 125 years.
- Financial Stability: The company holds an A- rating from A.M. Best, indicating strong financial health and reliability.
Empowering women to meet the needs of their families. Additionally, making annuities and life insurance products available.
Such as term life insurance, whole life, universal life, simplified issue and final expense (burial insurance).
Royal neighbors are headquartered in Rock Island, IL, in addition, a branch office in Mesa, AZ.
Equally important, a surplus of over $194 billion. And an A+ Excellent rating by A.M. Best this is a very strong solid company with the ability to meet their obligations to serve.
What Are Royal Neighbors Of America Ratings
Above all, it is important to purchase life insurance from a solid company. To clarify, Royal Neighbors of America rating is an A-(Excellent) with AMBest!
Royal Neighbors of America Life Insurance has maintained this rating for the last 5 years. Their outlook is stable.
For more about Royal Neighbors, CLICK HERE
Royal Neighbors Insurance Reviews
Take it from me, an independent life agent that has written thousands of policies in my career. My Royal Neighbors of America Review is A+.
Again, I am not hired by RNA to advocate how great they are. I am just telling you about my experiences. Their products offer much more than a policy.
For instance, the membership they provide will save consumers hundreds of dollars a year. That alone will discount the premiums.
In addition, they offer Royal Neighbors of America Scholarship!! We will discuss this more as you read on.
*Ballpark Quote
What Is A Fraternal Benefit Society
Royal Neighbors of America life insurance company is a Fraternal benefit society. At the discretion of Royal Neighbors, these are membership groups that unite individuals with a common bond.
Providing the ability to secure their families’ financial security through life insurance.
In addition to life insurance products, they also offer investment products. Fraternal benefit society’s offer volunteer networks. This provides them the ability to deliver billions of dollars of financial aid and community service.
In 2002 as a 501(c)(3) public charity to provide financial education that empowers women and their families. Providing scholarships and awards as well.
What Is Royal Neighbors Mission
Royal Neighbors of America is a unique kind of insurance organization. Their mission is insuring lives, supporting women, and serving communities.
Being a fraternal benefit society with 2 missions.
Both providing financial protection through life insurance and “neighbor-helping-neighbor” community service.
What about Royal Neighbors of America BBB rating?
They are an accredited business with an A+ rating with the BBB. With only 14 complaints on file. 9 in the last 3 years, all closed. And 5 of those in the last 12 months. Not too shabby!
Here is Royal Neighbors phone number:
Royal Neighbors Products
Single-Premium Whole Life – Life-long (permanent) protection. Guaranteed value over time.
Simplified Issue Whole Life – Life-long (permanent) protection lower death benefit primarily for final expenses (burial Insurance). Compared to some, such as Colonial Penn burial insurance, Royal neighbors final expense is our #1 choice for seniors!!!
Term Life – Protection for a specific time period, such as 5, 10, 15, 20 & 30-year terms.
Universal Life – Life-long (permanent) protection with flexible options, The insured may adjust. Ask your independent agent if this is an option for you.
Whole Life and Youth Whole Life – Life-long (permanent) protection, coverage. Most affordable at young ages.
Royal Neighbors Quick Quote
Keeping it smooth and efficient is really what clients want. Getting a Royal Neighbors burial insurance quote is just that.
We will discuss this more in this article and you will find out how convenient they really are.
The Best Burial Insurance For Seniors
Who has the best burial insurance?
Royal Neighbors hands down!
The type of insurance coverage that is right for you will mostly depend on your age. RNA offers between $5,000-$40,000 for ages 50-85.
This is especially important for seniors over 75 looking for life insurance. This is a great product for replacing AARP and Colonial Penn when the rate goes up when you need it the most!
Clearly, there are so many carriers out there that are wonderful such as but not limited to, Foresters Financial.
Foresters offer many of the same products as well, however, Royal Neighbors of America offer voice signature application process.
Right over the phone! We will discuss that in a bit!
*Ballpark Quote
Royal Neighbors Final Expense Application
What’s the difference between life insurance and funeral insurance?
NOTHING!!
Both life insurance and funeral insurance have the same concept. They both protect your loved ones from the financial burden when you pass away.
Funeral insurance caps at $40,000 for death benefit depending on the carrier.
And typically with life insurance most cases, you need to have a medical exam. Funeral insurance is not required.
This is a simplified whole life policy. Remains level for the rest of your life.
Royal Neighbors life insurance is hands down one of our favorite products for burial insurance. Our seniors deserve the best.
They offer a Voice Signature Application process. This is ideal as many of our senior clients do not own a computer and it is very convenient.
The client will then receive a certificate of insurance confirming their coverage. It’s that simple. It is no question why this carrier is among the most affordable burial insurance in the industry.
The Art of Life Insurance…
In this day and age, the art of life insurance has grown. The digital world offers us so many easy and super fast luxuries.
Very rare do we need to do paper applications. It varies by state, of course, each has its own carrier options, regulations, and guidelines.
Your independent agent is seasoned in this. He/she will know exactly who and what is available in your state.
Easy Voice Signature Application Process With Royal Neighbors Life Insurance
So, what is Voice Signature? Voice Signature is a faster way to issue your life insurance application!
In fact, this means the entire application is fully completed during an interview with the carrier, your agent and you.
In addition to Royal Neighbors final expense, this process is perfect for any Royal Neighbors product.
This includes Royal Neighbors term life, whole life, etc..
Again, this is a favorite for our Seniors! They love it!
In fact, no medical exam needed! No computers, not a single worry! We walk you through the entire process!
Common Underwriting Questions Royal Neighbors Will Ask
Is the Proposed Insured currently hospitalized or confined to a wheelchair, bed or using oxygen equipment?
- During the past 18 months has the Proposed Insured been diagnosed or treated for the following?
- stroke
- aneurysm
- cardiomyopathy
- circulatory surgery
- angina
- heart attack
- heart failure or heart surgery
2. During the past 24 months, has the Proposed Insured been diagnosed or treated for the following?
- internal cancer
- melanoma
- leukemia
- cirrhosis
- liver disease
- kidney failure
- chronic kidney disease
- systemic lupus
3. During the past 18 months has the Proposed Insured been diagnosed as having a condition expected to result in death within 12 months?
Have you been recommended to have drug or alcohol counseling?
Have you been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?
If you have answered yes to any of the above questions you would not qualify for level benefit burial insurance plan.
*Ballpark Quote
Can I Get A Graded Or Modified Death Benefit With Royal Neighbors
If you answer yes to the following questions you will qualify for a graded death benefit.
During the past 24 months has the Proposed Insured been diagnosed as having or been treated for the following?
- 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 brain
During the past 24 months, has the Proposed Insured been diagnosed as having or treated for the following?
- emphysema
- COPD
- tuberculosis
- neuromuscular disease including MS, Lou Gehrig’s Disease, Epilepsy, or Parkinsons Disease
How Long Is The Voice Signature Call
Prior to the 3-way conference call, you and your agent go over some basic information to make sure you qualify with Royal Neighbors.
Such as your medications, some underwriting medical questions, full name, dob, address, banking information you want on file, draft date, beneficiary information etc…
To explain, the call generally takes about 15-20 minutes. At the end of that call. Most cases the application is approved and will be issued the following business day.
In rare cases, further underwriting review may be necessary. The representative will let us know and then we will proceed from there.
To clarify, Voice Signature is not limited to only final expense policies. It is offered with various products with this carrier.
Royal Neighbors Single Premium Whole Life
Many clients ask about this product. Single premium whole life is coverage that is life long.
However, you pay your premium in one lump sum so you do not have to make premium payments your entire life.
You will indeed have a policy with a death benefit.
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What is a Free-Look Period
Every carrier allows you to have a period of time to look over your policy once you receive it.
Royal Neighbors free-look period is 20 days.
If fact, if for any reason you decide you need to make changes or want to cancel, you can.
Royal Neighbors Of America Complaints
What about Royal Neighbors of America reviews?
So, let’s face it, from time to time the BBB (Better Business Bureau) will have some complaints on file for a company.
This happens but understand this, we do not know what each circumstance are. In doing my research on this subject the following is what I found.
The BBB has given this carrier an A+ rating. There have been 9 complaints closed in the last 3 years. Four complaints closed in the last 12 months alone.
Most times when there are complaints there are extenuating circumstances. And even sometimes a client may have allowed a policy to lapse.
Truth is, there is no one company that does not have a negative review from time to time.
Do you have concerns? Ask your independent agent. We are a family-owned business. We put you in A+ rated products/carriers only!
*Ballpark Quote
Royal Neighbors Contact Information
Royal Neighbors phone number is:
(800) 770-4561
Royal Neighbors insurance company address is:
Royal Neighbors of America
230 16th Street
Rock Island, IL 61201
You can also go to royalneighbors.org/mybenefits.
Royal Neighbors Of America Scholarship
What are Royal Neighbors member benefits?
Royal neighbors offer and support their members who are pursuing higher education at local community colleges and trade schools.
They present annual scholarships. This allows members to have assistance with their tuition costs.
The application for this scholarship is accessible on their website: www.royalneighbors.org/members/scholarships
What you will need:
- Royal Neighbors App Certificate number
- Answer 4 essay questions
- Transcripts and work history
- Call Royal Neighbors customer service phone number (800) 627-4762 to find out what the qualifying dates are for the 2023/2024 year.
FAQ
Members have access to various discounts on healthcare services, educational scholarships, and opportunities to engage in community service projects, enhancing both personal and communal well-being.
With over a century of experience, a strong financial rating, and a commitment to community service, Royal Neighbors is considered a reputable and reliable insurance provider.
Royal Neighbors of America has been in operation since 1895, marking over 125 years of service.
Applying for coverage is straightforward. You can reach out to a local agent or apply directly through the Royal Neighbors website.
The policy typically covers funeral expenses, debts, and other final expenses.
Yes, Royal Neighbors offers policies tailored for seniors, making it a suitable option for older individuals.
Conclusion
Royal Neighbors Burial Insurance provides a safety net for those looking to protect their loved ones from the financial impact of funeral and burial costs.
With its benefits, easy application process, and reputation for reliability, it stands as a wise choice for anyone considering end-of-life financial planning.
Explore your options with Royal Neighbors today to ensure your peace of mind for tomorrow.
*Ballpark Quote
