Quick Tip: To Compare top burial rates fill out the instant life insurance quote form on the left!
Who is Royal Neighbors of America
What 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!!!
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 is headquartered in Rock Island, IL, in addition, a branch office in Mesa, AZ.
Equally important, 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. 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 empower women and their families. Providing scholarships and awards as well.
WHAT IS ROYAL NEIGHBORS MISSION
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). 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.
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!
Clearly there are so many carriers out there that are wonderful such as but not limited to, Foresters Financial. Foresters offers 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!
Royal neighbors final expense application
This is a simplified whole life policy. Remains level for the rest of your life.
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.
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 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!
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!
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.
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.
In fact, for an more accurate quote, you can call us at PinnacleQuote Life Insurance Specialists. (855) 380-3300.
Moreover, 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.
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 circumstances are. In doing my research on this subject the following is what I found.
The BBB has given this carrier a A+ rating. There has 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!
ROYAL NEIGHBORS CONTACT INFORMATION
Royal Neighbors phone number is:
Royal Neighbors insurance company address is:
Royal Neighbors of America
230 16th Street
Rock Island, IL 61201
royal neighbors of america scholarship
What are Royal Neighbors member benefits? Royal neighbors offers and supports 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 2019/2020 year.
We are a family owned business based out of Jacksonville, Florida. Although our office is here in Jacksonville, we are licensed in 49 states.
Besides Royal Neighbors Insurance, we offer over 300+ products. So, keep in mind you do not need to speak with only a Royal Neighbors agent (captive agent).
To emphasize, we are independent agents who can shop you to over 50+ carriers at one time. With this in mind, you have your own little personal shopper helping you protect your family! How Awesome!
About the Owner
Danny Ray is the Founder/Owner and the independent agent. Danny has over 25+ years experience in this field.
In fact, 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.
About Me, Lisamarie
My name is Lisamarie. I am a senior specialist. My job is to 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.
Not a "One Size Fits all" process
Must be remembered, 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.
Furthermore, we look forward to speaking with you and helping you achieve your life insurance goals! (855) 380-3300 ext. 2.
Let's 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.
As a matter of fact, 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.
Something to think about...
Consequently, anything in life can happen in an instant. You can experience major illnesses, damage due to natural causes, disaster. This is where life insurance is so important.
We are not guaranteed tomorrow whether it is from illnesses or property damage.
To emphasize, the reason I say property damage, is you can still be hurt physically. God forbid that happens. Your family depends on you financially. If you are hurt or worse, die. Now what does your family do?
You have the royal neighbors quoting tool to the left.. Let's begin! Get your free quote Now!