[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/royal-neighbors-of-america-review-rates\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/royal-neighbors-of-america-review-rates\/","headline":"The Best 2025 Royal Neighbors of America Review + Rates","name":"The Best 2025 Royal Neighbors of America Review + Rates","description":"Quick Navigation Links Show 1 Royal Neighbors of America Life Insurance 2 The History Royal Neighbors of America Life Insurance Company 3 How Does Royal Neighbors of America Compare to the Big Insurance Companies 4 What Are Royal Neighbors of America Life Insurance Ratings? 5 Types of Life Insurance Offered By Royal Neighbors of America.. More<\/a>","datePublished":"2020-02-24","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/02\/royal-neigbors-of-america.jpg","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/02\/royal-neigbors-of-america.jpg","height":910,"width":2000},"url":"https:\/\/www.easyquotes4you.com\/royal-neighbors-of-america-review-rates\/","about":["Reviews"],"wordCount":1927,"keywords":["rna","royal neighbors","royal neighbors of america","royal neighbors of america life","royal neighbors of america life insurance","royal neighbors of america life insurance company"],"articleBody":" Quick Navigation Links Show 1 Royal Neighbors of America Life Insurance 2 The History Royal Neighbors of America Life Insurance Company 3 How Does Royal Neighbors of America Compare to the Big Insurance Companies 4 What Are Royal Neighbors of America Life Insurance Ratings? 5 Types of Life Insurance Offered By Royal Neighbors of America 6 JETerm Term Life 7 Essential Life Whole Life 8 Sample Essential Life Whole Life Rates for Women 9 Sample Essential Life Whole Life Rates for Men 10 Royal Legacy Life Single Premium Whole Life Insurance 11 Youth Essential Whole Life 12 SecureLife Universal Life Death Benefit (UL DB) 13 SecureLife Universal Life Cash Value (UL CV) 14 Simplified Issue Whole Life (SIWL) 15 Medical Questions Asked to Qualify 16 Graded Benefit Whole Life (GDB) 17 Royal Neighbors vs The Competition 18 Male $10,000 Non-Smoker 19 Female $10,000 Non-Smoker 20 Annuities Offered By Royal Neighbors of America 21 Flexible premium Deferred Annuity 22 Single Premium Deferred Annuity 23 Single Premium Immediate Annuity (SPIA) 24 Final Thoughts 25 Is Royal Neighbors of America a good company? 26 How long has Royal Neighbors been selling life insurance? 27 What type of life insurance products does Royal Neighbors of America sale? Royal Neighbors of America Life InsuranceWith the explosion of online life insurance sales, many insurance carriers that have never been heard of before, are gaining name recognition across the country. One of these companies is Royal Neighbors of America Life Insurance Company (RNA). In this article we will be reviewing Royal Neighbors of America Life Insurance Company to give you a better understanding of the company strength and there products.At EasyQuotes4You we provide unbiased reviews of the top life insurance companies, listing there pros\u2019 and cons\u2019, to try and help you decide if purchasing life insurance policy from them is best. We represent dozens of the top life insurance carriers along with 18 years of experience selling life insurance.The History Royal Neighbors of America Life Insurance Company Royal Neighbors Life Insurance Company has been providing families protection for over 100 years. Founded in 1895, Royal Neighbors has been on the forefront of some revolutionary events in history.In the late 1800s, women or children were able to purchase life insurance because they were not considered insurable. Royal Neighbors of America changed that when it was founded by nine women. This was incredible because at this time women still could not vote or even own property in some states. Royal Neighbors is still one of the largest women led life insurance carrier today.The mission of Royal Neighbors of America is to insure lives, support women and children, and to serve the community. Royal Neighbors is not a typical insurance company, it is a fraternal benefit society which was founded to protect vulnerable families. They encourage their members to volunteer in the community.Royal Neighbors of America has 225 chapters, in 43 states, providing life insurance, annuities, scholarships, and other charitable causes.Examples of some of Royal Neighbors social good deeds in history are:Disaster relief of the Great Fire of San Francisco in 1906Advocacy for the 19th AmendmentEstablishing college scholarships for women and childrenSupported domestic efforts during WWIIWhile Royal Neighbors of America offer life insurance to its members, it also offers many group discounts such as:Legal ServicesDental\/ Vision InsuranceRetail offersPrescription discountsThese services and discounts are also offered to the families of Royal Neighbors of America members.How Does Royal Neighbors of America Compare to the Big Insurance CompaniesAs we mentioned before, many small life insurance companies are becoming household names, and Royal Neighbors is no different. Compared to insurance companies, Royal Neighbors is small. But from 2016-2017 they have seen a 27% increase in premiums written. Royal Neighbors of America Life Insurance company ranks 111th in market share. We have provided a comparison chart showing market share and amount of premiums written in 2018.What Are Royal Neighbors of America Life Insurance Ratings?Royal Neighbors of America Life Insurance Company boasts strong ratings across the board. Check out the chart below:These types of ratings show that Royal Neighbors of America is a strong, reputable company that will able to fulfill it\u2019s obligation to paying claims.Types of Life Insurance Offered By Royal Neighbors of AmericaRoyal Neighbors offers term life and a variety of permanent life insurance. It\u2019s important to understand the difference between term life vs whole life before purchasing any life insurance.JETerm Term LifeJETerm is Royal Neighbors of America term life insurance product. The motto of the product is:\u201cGet from Point A (no coverage) to Point B (proud owner of Term Life Insurance) as quickly as possible! Royal Neighbors JETerm Term Life is designed to cut down on the application process by eliminating the exam. Some are approved within an hour of filling out an application.If you are between the ages of 18-50 you can qualify for a JETerm policy with no exam up to $500K. Ages 51-60 can qualify with no exam up to $250K.JETerm also offers riders to help customize your plan to fit your needs. They are:Accelerated Death Benefit Riders for Critical, Chronic and Terminal Illnesses\u2013 Allows access to part of the death benefit while still alive if the insured is diagnosed with a qualifying critical, chronic or terminal illness. Total Disability Waiver of Premium Rider\u2013 Premiums are waived if you are totally disabled.Accidental Death Benefit Rider- Pays extra if death is due to accidentPromise Plus (Cancer Waiver Rider)\u2013 Waives premium for two years if you are diagnosed with cancer.Child Term Rider\u2013 Covers all children for $5,000Guaranteed Insurability Rider\u2013 Allows for a death benefit increase at certain ages or life events. Maximum lifetime total increase is $100K.Essential Life Whole LifeEssential Life Whole Life by Royal Neighbors provides coverage for your entire life with guaranteed premiums. This whole life policy accumulates a guaranteed cash value which can be accessed through loans. As long as premiums are paid, the death benefit is guaranteed.Essential Life Whole Life also doesn\u2019t require an exam and you could have your application approved in minutes. With Royal Neighbors Essential Life Whole Life you can choose 3 payment options:Make fixed premium payments for 20 years. Because the payments are compressed into 20 years, the payments will be higher but you will not need to pay a premium after this initial 20 years Make fixed premium payments until the age of 121. Because the payments are spread out over your entire life, the premiums are lower. Make fixed payments to age 65. Premiums will be higher, but no premium required after age 65.Essential Life Whole Life also offers the same riders available on the JETerm Term Insurance.Sample Essential Life Whole Life Rates for WomenSample Essential Life Whole Life Rates for MenRoyal Legacy Life Single Premium Whole Life InsuranceA simple and convenient lump-sum payment purchases fully paid-up whole life insurance with a guaranteed death benefit. The amount you leave to your beneficiaries will increase. Additionally, the death benefit is income taxfree* and without the delays of probate.Benefits of Royal Legacy Life are:Immediately increases your estate upon deathDeath benefit and cash value are guaranteed Not subject to market volatility Simple and convenient single payment Income tax-free proceeds for your beneficiaries Avoid the expenses and hassles of probate Youth Essential Whole LifeIssue ages for Royal Neighbors of America youth whole life policy is 0-17 years old. You can buy death benefit amounts from $10K-$50K. A popular rider to add to the Youth Essential Whole Life policy is the guaranteed insurability rider. This rider automatically increases the face amount at certain ages and life events.SecureLife Universal Life Death Benefit (UL DB)The SecureLife UL DB offers a low premium universal life insurance policy with a 20 year guarantee period. It is designed to guarantee the premium at the lowest premium possible. Issue ages are 0-75 years old with no exam required up to age 50 and death benefit below $250KSecureLife Universal Life Cash Value (UL CV)The SecureLife UL CV is designed for cash value build as the name suggests. Issue ages are 0-75 years old with no exam required up to age 50 and death benefit below $250K.We do not recommend any type of universal life policy that doesn\u2019t come with a guaranteed premium unless you are utilizing it as a life insurance retirement plan (LIRP).Simplified Issue Whole Life (SIWL)The Simplified Issue Whole Life (SIWL) or final expense insurance offered by Royal Neighbors of America is reserved for applicants who have had health problems in the past but none recently. You must be able to answer no to all of the health questions to be eligible. The policies have no waiting period for the death benefit.Some of the key features are:Immediate death benefitIssue ages: 50\u201385Face amounts: $3,000\u2013$25,000Simplified issue with no medical exam neededPermanent coverageMedical Questions Asked to QualifyGraded Benefit Whole Life (GDB)The Graded Benefit Whole Life (GDB) is for applicants who aren\u2019t as healthy but still qualify for a modified benefit. GDB does not offer immediate death benefit coverage. The death benefit is modified for the first 2 years if death occurs due to natural reasons. If you were to die of natural causes the first year you would receive 30% of the death benefit, 70% in the second year, and 100% thereafter.The features of Royal Neighbors of America graded death benefit whole life are:Graded benefit plan30% first year70% second year100% third year and beyondIssue ages 50\u201385Face amounts: $3,000\u2013$10,000Simplified issue with no medical exam neededPermanent coverageRoyal Neighbors vs The CompetitionBelow we have a couple of charts comparing Royal Neighbors of America SIWL to the other top carriers.Male $10,000 Non-SmokerAs you can see Royal Neighbors is competitive from age 60 and beyond.Female $10,000 Non-Smoker Once again, Royal Neighbors is competitive from age 60 and beyond. Annuities Offered By Royal Neighbors of America A fixed annuity is a long-term, tax deferred product designed for retirement savings and has limitations, including surrender charges. Administration fee applies if minimum annual accumulation values are not satisfied. Royal Neighbors\u2019 offers three types of fixed annuities. They are:Flexible premium Deferred AnnuityA good choice if you want to make regular contributions to your annuity over the years as you plan for retirement. Single Premium Deferred AnnuityA lump sum premium into an annuity with guaranteed premium to save toward your retirement.Single Premium Immediate Annuity (SPIA)Allows you to make a single lump-sum premium payment and start receiving steady, fixed income payments immediately. Final ThoughtsIf you don\u2019t mind becoming a member of a Fraternal Organization then Royal Neighbors of America might be the right fit. Royal Neighbors main strength is in final expense insurance. There simplified issue whole life and graded death benefit are competitively priced and many qualify with pre-existing conditions. As for there term, whole life, and universal life we think their are better products offered other than Royal Neighbors\u2019. It\u2019s important to work with an independent agent who can guide you to the the company that best fits your needs.\t\t\t\t\t\tIs Royal Neighbors of America a good company?\t\t\t\t\t\t\t\t\t\t\t\t\t\tRoyal Neighbors of America boasts an \u201cA-\u201d rating with A.M. Best rating agency and an \u201cA+\u201d with the Better Business Bureau.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHow long has Royal Neighbors been selling life insurance?\t\t\t\t\t\t\t\t\t\t\t\t\t\tRoyal Neighbors Life Insurance Company has been providing families protection for over 100 years. Founded in 1895, Royal Neighbors has been on the forefront of some revolutionary events in history. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat type of life insurance products does Royal Neighbors of America sale?\t\t\t\t\t\t\t\t\t\t\t\t\t\tRoyal Neighbors of America Life Insurance company offers:-Term Life-Whole Life-Fixed Annuity-Universal Life\t\t\t\t\t\t\t\t\t\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Is Royal Neighbors of America a good company?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Royal Neighbors of America boasts an \\\"A-\\\" rating with A.M. Best rating agency and an \\\"A+\\\" with the Better Business Bureau.\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"How long has Royal Neighbors been selling life insurance?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Royal Neighbors Life Insurance Company has been providing families protection for over 100 years. Founded in 1895, Royal Neighbors has been on the forefront of some revolutionary events in history. \"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"What type of life insurance products does Royal Neighbors of America sale?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Royal Neighbors of America Life Insurance company offers:-Term Life-Whole Life-Fixed Annuity-Universal Life\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t\t\t\t]\t}"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"The Best 2025 Royal Neighbors of America Review + Rates","item":"https:\/\/www.easyquotes4you.com\/royal-neighbors-of-america-review-rates\/#breadcrumbitem"}]}]