Royal Neighbors of America Life Insurance

Royal Neighbors of America offers a variety of life insurance options that range in coverage as well as add-on benefits such as riders. You are able to customize your plan to fit your needs while still maintaining a low monthly cost. Royal Neighbors of America does require the purchase of either a membership or an insurance product in order to access benefits.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 24, 2022

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Quick Facts

  • Royal Neighbors of America offers three types of life insurance: term, whole, and universal
  • Several customizable options are available, like adding a rider or death benefit
  • Royal Neighbors of America membership fee costs an annual fee of $20 and includes a wide variety of discounts

Royal Neighbors of America started in 1895 to provide affordable life insurance to both women and children, both groups of which were previously dismissed as uninsurable. Over the years, it has become one of the largest women-led insurance companies in the world today. They empower women to support each other in their communities by providing education, resources, and opportunities for fellowship.

Royal Neighbors operates as a fraternal benefit society, meaning that they require membership for use of their products. You can do this by either purchasing one of their insurance products or paying a $20 annual fee. Products include term life insurance, whole life insurance, and universal life insurance. 

Membership also comes with additional benefits and discounts at approved retailers and healthcare providers.

What kind of insurance does the Royal Neighbors of America provide?

The Royal Neighbors of America provides a few different types of level term life insurance, as well as whole life and universal life policies.

Here is a complete list of products that are available through Royal Neighbors:

  • Flexible-Premium Deferred Annuity
  • Fixed Annuity
  • Single-Premium Deferred Annuity
  • Single-Premium Immediate Annuity
  • Whole Life and Youth Whole Life
  • Single-Premium Whole Life
  • Simplified-Issue Whole Life
  • Term Life

Since some of these products are bundled under the three main types of life insurance that Royal Neighbors provides, we’ll do a deeper dive into each.

Whole life insurance

Royal Neighbors has four types of whole life insurance available with starting amounts of $25,000 in coverage. This type of insurance offers permanent coverage as well as access to cash-value accounts and death benefits.

Under the Essential Whole Life policy, benefits also include:

  • Accelerated Death Benefits
  • Accidental Death
  • Guaranteed Insurability
  • Waivers for Cancer and Disability

Riders are also allowed to get coverage if needed, but rates will increase if they are added to your policy.

Youth Whole Life is another policy that Royal Neighbors offers to children under the age of 18. This includes guaranteed insurability for a rider and accelerated death benefits. Royal Neighbors also offers another policy that includes other applicants, ages 45-80, under their Royal Legacy Single Premium.

This policy requires a lump-sum payment of at least $10,000, with the death benefit guaranteeing a higher premium for payment.

Simplified Issue Whole Life is available to those who are between 50 and 85 and offers instant issue life insurance coverage that ranges from $5,000 to $25,000. This policy does not require a medical exam and will cover any outstanding medical bills or financial obligations.

Term life insurance

Through their JETerm coverage, Royal Neighbors provides this customizable option. This standard term life policy comes with a level premium and death benefit, as well as the ability to add several riders and convert it into a permanent coverage policy in the future. You also have the option of a guaranteed insurability rider. This allows you to incrementally increase your policy amount without your premium rising drastically.

Universal life insurance

Royal Neighbors’ universal life insurance plan, SecureLife, offers consumers flexibility with premiums and modified payments, depending on their financial needs. They also offer a 20-year no-lapse guarantee. The same rider benefits offered on the standard whole life insurance policy are also available with this policy as well.

Membership Benefits

Membership in the Royal Neighbors comes with several benefits:

  • Dental Discounts in the amount of 5 — 50%
  • Vision Discounts in the amount of 20 — 40% off retail price of glasses
  • Lab services 10 — 80% off
  • Free and discounted legal advice and services through a pre-qualified network
  • Imaging discounts 10 — 60%
  • Hearing aids at 30% off
  • Retail/ecommerce offering 1 — 40% off at 4,000 leading merchants

You can also become a member of the Royal Neighbors without purchasing any insurance policies and simply stick with just the membership.

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What are the Royal Neighbors of America reviews like?

The Royal Neighbors of America has an A+ rating with the Better Business Bureau (BBB), with only four complaints on file in the past three years. A.M. Best also ranks Royal Neighbors at a solid A.

Customer reviews tend to be mixed, however, with the overall rating at a steady 3.4.

Here are some of those reviews:

  • I feel like this was a very speedy and honest process, and I am very pleased with the way it went down. Thank you.
  • My initial rep completely dropped the ball. I had to start completely over.
  • My father and mother have had this policy since 2014. My father died on January 19th. They are still giving my mother the runaround. We will be canceling the policy for my mother and looking for another company. I have spoken to other people who state they have never had to wait so long or go through this much hassle. Don’t go with this insurance company! It is now Feb 05, 2020. This company is not recommended.

Much like with any business, gauging the reliability of a company will be up for you to decide.

How do I file a complaint with the Royal Neighbors of America?

There are a few ways that you are able to file a complaint as well as a claim with Royal Neighbors of America.

To file a complaint, you will need to contact a Royal Neighbors of America service expert over the phone. The Royal Neighbors of America provider phone number can be contacted during normal business hours: 1-800-627-4762.

To file a claim, you have a few options. If you would like to file a claim over the phone, you can use the Royal Neighbors of America life insurance phone number: 1-800-627-4762. If you would like to file a claim online, you will need to go online and fill out the “Report the Death of a Member” form before sending it over to a claims agent. Once your form has been submitted and reviewed, you will be notified.

Once your claim has been accepted, you will be given a Royal Neighbors of America login with which you can view the status of your claim online.

Unfortunately, Royal Neighbors of America does not have a claim mailing address you are able to send your form to, so you will have to do it online.

Royal Neighbors of America Life Insurance: Key Takeaways

Benefits from Royal Neighbors of America are backed by the longevity of the company as well as their high ratings with both A.M. Best and the BBB. There are plenty of options when it comes to choosing which life insurance policy will fit your needs best, as well as many options to customize your plan.

Product pricing does vary, but their membership perks do offer quite a bit of value. While some people might be turned off by having to pay a membership fee, there are benefits to the Royal Neighbors of America that may outweigh this added cost.

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