Royal Neighbors Of America ~ 2019 Review!

Written by Lisamarie Monaco

Quick Tip: To Compare top burial rates fill out the instant life insurance quote form on the left!

Who is 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 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*)

WE WERE FOUNDED BY WOMEN, FOR WOMEN!!!

Women empower Women

Royal Neighbors founded by 9 women 120 years ago

Empowering women to meet the needs of their families, making annuities and life insurance products available.  Such as whole life, universal life, simplified issue and final expense (burial insurance).  Royal neighbors is headquartered in Rock Island, IL, in addition, a branch office in Mesa, AZ.

With a surplus of over $194 billion. And a A Excellent rating by A.M. Best this is a very strong solid company with the ability to meet their obligations to serve. 


What is a fraternal benefit society 

Royal Neighbors of America life insurance company is a Fraternal benefit society. 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 empower women and their families. Providing scholarships and awards as well.


WHAT IS ROYAL NEIGHBORS MISSION

royal neighbors burial insurance

Royal Neighbors 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!


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).

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.


THE BEST BURIAL INSURANCE FOR SENIORS

The type of insurance coverage that is right for you will mostly depend on your age. RNA offers between $5,000-$25,000 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!

royal neighbors of america life insurance

Royal Neighbors 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. Its that simple. It is no question why this carrier is among the most affordable burial insurance in the industry. 

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 have their 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.


VOICE SIGNATURE APPLICATION with Royal neighbors life insurance

So, what is Voice Signature?  Voice Signature is a faster way to issue your life insurance application! 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.. But this is a favorite for our Seniors! They love it! And no medical exam needed! No computers, not a single worry! We walk you through the entire process!

Prior to the 3 way conference call, you and your agent go over some basic information to make sure you qualify with Royal Neighbors.

Some information includes but is not subject to, your medications, some underwriting questions, full name, dob, address, banking information you want on file, draft date, beneficiary information etc…  

royal neighbors voice signature

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. 

Remember... Voice Signature is not limited to only final expense policies. It is offered with various products with this carrier.


HOW DO I GET A QUOTE FOR LIFE INSURANCE OR BURIAL INSURANCE

What is the best way to get a Royal Neighbors quick quote? You can go to the Royal Neighbors quote engine at the top of this page on the left.  Complete the quote box and instantly a “ball park quote” will appear.  For an more accurate quote, you can call us at PinnacleQuote Life Insurance Specialists. (855) 380-3300.  We will ask you some pre-qualification Health/Lifestyle questions. By doing this, it helps us isolate the best carrier you qualify with and at the most affordable rate. 


Royal Neighbors Of America Complaints

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 circumstances are. In doing my research on this subject the following is what I found:

The BBB has given this carrier a A+ rating. and there has been 9 complaints closed in the last 3 years. and 4 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.

 If you have concerns, ask your independent agent. We are a family owned business. We put you in A+ rated products/carriers only!  

ABOUT PINNACLEQUOTE

We are a family owned business based out of St. John’s County in St. Augustine, Florida. Although our office is here in St. Augustine. We are licensed in 49 states. Besides Royal Neighbors Insurance, we offer over 300+ products. 

About the Owner

Danny Ray is the Founder/Owner and the independent agent. Danny has over 25+ years experience in this field.

It is his passion and goal to provide you with options and you make the best choice for you and your family based on those options.

Foresters Life Insurance with Danny Ray

Danny Ray ~Owner/Agent of PinnacleQuote Life Insurance Specialists

About Me, Lisamarie

Life Insurance Specialists

PinnacleQuote Founder Danny Ray and Marketing Director Lisamarie Monaco

My name is Lisamarie. I am a senior specialist and handle all final expense and help facilitate any and all clients paperwork, our marketing, and scheduling all his phone appointments.

I guess you can say I am his right hand girl but also his future wife. 😊 Together we are blessed to be able to provide the best products at the best rates for our clients.

Remember, life insurance is not a “one size fits all”.   So it is imperative that we speak directly to you for us to provide you with an accurate quote.  This is based on the information you provide us.

We look forward to speaking with you and helping you achieve your life insurance goals!  (855) 380-3300 ext. 2.

If you prefer to schedule the best time and day to speak to Danny, contact me via email Lisamarie@PinnacleQuote.com or call me to set up a phone appointment. Danny is available 7 days a week. 9-9pm EST. Weekend by appointment. He is ALWAYS available for any and all questions you may have. 

For more information on Financial Security and your family CLICK HERE.

Danny Ray & Lisamarie Monaco Contributed To This Article
Danny Ray & Lisamarie Monaco Contributed To This Article

Quick Tip: To Compare top burial rates fill out the instant life insurance quote form on the left!

Who is 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 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*)

WE WERE FOUNDED BY WOMEN, FOR WOMEN!!!

Women empower Women

Royal Neighbors founded by 9 women 120 years ago

Empowering women to meet the needs of their families, making annuities and life insurance products available.  Such as whole life, universal life, simplified issue and final expense (burial insurance).  Royal neighbors is headquartered in Rock Island, IL, in addition, a branch office in Mesa, AZ.

With a surplus of over $194 billion. And a A Excellent rating by A.M. Best this is a very strong solid company with the ability to meet their obligations to serve. 


What is a fraternal benefit society 

Royal Neighbors of America life insurance company is a Fraternal benefit society. 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 empower women and their families. Providing scholarships and awards as well.


WHAT IS ROYAL NEIGHBORS MISSION

royal neighbors burial insurance

Royal Neighbors 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!


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).

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.


THE BEST BURIAL INSURANCE FOR SENIORS

The type of insurance coverage that is right for you will mostly depend on your age. RNA offers between $5,000-$25,000 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!

royal neighbors of america life insurance

Royal Neighbors 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. Its that simple. It is no question why this carrier is among the most affordable burial insurance in the industry. 

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 have their 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.


VOICE SIGNATURE APPLICATION with Royal neighbors life insurance

So, what is Voice Signature?  Voice Signature is a faster way to issue your life insurance application! 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.. But this is a favorite for our Seniors! They love it! And no medical exam needed! No computers, not a single worry! We walk you through the entire process!

Prior to the 3 way conference call, you and your agent go over some basic information to make sure you qualify with Royal Neighbors.

Some information includes but is not subject to, your medications, some underwriting questions, full name, dob, address, banking information you want on file, draft date, beneficiary information etc…  

royal neighbors voice signature

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. 

Remember... Voice Signature is not limited to only final expense policies. It is offered with various products with this carrier.


HOW DO I GET A QUOTE FOR LIFE INSURANCE OR BURIAL INSURANCE

What is the best way to get a Royal Neighbors quick quote? You can go to the Royal Neighbors quote engine at the top of this page on the left.  Complete the quote box and instantly a “ball park quote” will appear.  For an more accurate quote, you can call us at PinnacleQuote Life Insurance Specialists. (855) 380-3300.  We will ask you some pre-qualification Health/Lifestyle questions. By doing this, it helps us isolate the best carrier you qualify with and at the most affordable rate. 


Royal Neighbors Of America Complaints

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 circumstances are. In doing my research on this subject the following is what I found:

The BBB has given this carrier a A+ rating. and there has been 9 complaints closed in the last 3 years. and 4 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.

 If you have concerns, ask your independent agent. We are a family owned business. We put you in A+ rated products/carriers only!  

ABOUT PINNACLEQUOTE

We are a family owned business based out of St. John’s County in St. Augustine, Florida. Although our office is here in St. Augustine. We are licensed in 49 states. Besides Royal Neighbors Insurance, we offer over 300+ products. 

About the Owner

Danny Ray is the Founder/Owner and the independent agent. Danny has over 25+ years experience in this field.

It is his passion and goal to provide you with options and you make the best choice for you and your family based on those options.

Foresters Life Insurance with Danny Ray

Danny Ray ~Owner/Agent of PinnacleQuote Life Insurance Specialists

About Me, Lisamarie

Life Insurance Specialists

PinnacleQuote Founder Danny Ray and Marketing Director Lisamarie Monaco

My name is Lisamarie. I am a senior specialist and handle all final expense and help facilitate any and all clients paperwork, our marketing, and scheduling all his phone appointments.

I guess you can say I am his right hand girl but also his future wife. 😊 Together we are blessed to be able to provide the best products at the best rates for our clients.

Remember, life insurance is not a “one size fits all”.   So it is imperative that we speak directly to you for us to provide you with an accurate quote.  This is based on the information you provide us.

We look forward to speaking with you and helping you achieve your life insurance goals!  (855) 380-3300 ext. 2.

If you prefer to schedule the best time and day to speak to Danny, contact me via email Lisamarie@PinnacleQuote.com or call me to set up a phone appointment. Danny is available 7 days a week. 9-9pm EST. Weekend by appointment. He is ALWAYS available for any and all questions you may have. 

For more information on Financial Security and your family CLICK HERE.

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