Royal Neighbors Of America [2022 Review] - PinnacleQuote

Royal Neighbors Of America [2022 Review]

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I’m not sure if you’ve heard of the Royal Neighbors Of America, but they’re a national organization that’s been around for more than 100 years. It’s non-profit and all about community service.

They empower women to support each other in their communities by providing education, resources, and opportunities for fellowship.

They also bring together like-minded people from across the country at an annual National Assembly where they have workshops on various topics such as health care or racial justice. So what are you waiting for? Join today!

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 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*)

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 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.


Women empower Women

Royal Neighbors founded by 9 women 120 years ago.

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. 

Royal Neighbors of America

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.

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 burial insurance

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 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-$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 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!

Royal Neighbors Final Expense Application

What’s the difference between life insurance and funeral insurance? 


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 of america life insurance

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.

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!

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

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

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.

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…  

royal neighbors voice signature

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 “ballpark quote” will appear. 

In fact, for a 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. 

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!  

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 

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:

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. 

Royal Neighbors of America Agent Login

If you are an appointed Royal Neighbors of America licensed independent agent then this will be of assistance to you.

Here is the Royal Neighbors Agent Portal 👉

This is where you would start your Royal Neighbors login.

Royal Neighbors Agent Login 👇

Ultimately you will be inside the Royal Neighbors of America login for agents. If you have any issues call the Royal Neighbors Insurance Phone Number for agents 👉 (800) 770-4561, Option 1, Option 5

It’s important to also realize that Royal Neighbors Of America offer products and services for when you are starting a family or heading toward retirement life.

In addition, do n to make a mistake of confusing loyal American life insurance companies and Royal Neighbors of America. There is NO AFFILIATION.

Overall, sometimes consumers confuse “Loyal” with Royal American Insurance Company. Loyal American Life Insurance company offers Medicare supplements and is one of the subsidiaries of CIGNA. They offer supplement plans.


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. If you’re looking for affordable rates on your insurance, we have them! Get quote today to see how much more coverage you qualify for with us.


Are you looking for burial insurance in Florida? We are a family-owned business based out of Jacksonville, Florida. Although our office is here in Jacksonville, we are licensed in 49 states.  

In fact, we serve the entire United States except for Hawaii. Simply because we do not want to be awake at 3 am!!! LOL 

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!

Foresters Life Insurance with Danny Ray

About the Owner

Danny Ray is the Founder/Owner and an independent agent. Danny has over 27+ years of 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.

Life Insurance Specialists

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 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, disasters. 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!