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Royal Neighbors of America Life Insurance Company Reviews

Royal Neighbors of America Life Insurance Company Reviews

If you are looking for Royal Neighbors of America Life Insurance Company reviews then you have come to the right place. In the following article we will address the positives, negatives and alternative to Royal Neighbors. We do this to help you find the best rates on life insurance available. Is this the right company for you? Find out below.

TermLife2Go’s 2017 Review of Royal Neighbors of America Life Insurance Company

We have written this review to help you decide if purchasing a life insurance policy from Royal Neighbors of America Life Insurance Company is right for you. We at TermLife2Go represent dozens of the top life insurance companies in the United States, one of which is Royal Neighbors of America Life Insurance Company. However, we have no motivation to push any particular insurance company over another; we value policyholders and want to help them choose the company and plan that is right for their needs based on each client’s unique health and lifestyle.

Royal Neighbors of America Life Insurance Company Reviews

About Royal Neighbors of America Life Insurance Company

Royal Neighbors of America was founded in 1895; for more than 100 years the company has been providing families and individuals with insurance and protection. As of December 2014, rating agency A.M. Best has awarded Royal Neighbors with a rating of A- (excellent).

Benefits of Royal Neighbors of America Life Insurance Company


Royal Neighbors is a women-led insurance organization that works specifically to protect and empower women through life insurance policies and financial protection solutions. The company also offers scholarships and financial education. Founded by eight women, this company has been at the forefront of the women’s empowerment movement for over a hundred years. And men-don’t hate—there are plenty of men-led insurance organizations for you to choose from!

Financially Strong

Royal Neighbors is a financially strong institution which believes in conservative financial management that ultimately benefits members. Unlike other insurance providers, Royal Neighbours is a not-for-profit insurance company, which is why benefiting the policyholders is always the primary concern. Further, the company has a solvency ratio of 1.30 which is above the industry average.

Membership Benefits

When you purchase a policy with Royal Neighbors, you become a member; and as a member you are entitled to certain advantages. Some of these benefits include: health and wellness discounts, legal services, and possible eligibility for scholarships and disaster aid.

Philanthropic Work

Royal Neighbors is not just an insurance company; they are a group that truly believes in empowering women. That’s why they have set up Royal Neighbors Foundation, which focuses on offering free financial education including managing finances, paying off debt, and planning for retirement. The foundation truly believes that financial education is an integral part of women’s empowerment.

Whole Life Insurance

Royal Neighbors understands that with time, the dynamics of your life may change; you may have a child, get married, get divorced, or go back to school. Royal Neighbors offers flexible plans that adapt with your life as it continues to evolve. Read about the benefits of cash value whole life insurance.

Negatives of Royal Neighbors of America Life Insurance Company


While Royal Neighbors offers policies for women and their families, it may not be a suitable insurance company for a man seeking a policy. The company is designed to meet the needs of a woman. Men, don’t worry. There are plenty of options available, including the top ten best no medical exam companies.

Conservative Plan

If you are looking for an insurance company that also offers aggressive financial plans by taking more financial risk in order to possibly reap higher benefits, then Royal Neighbors may not be the best option for you. Royal Neighbors is a conservative financial institution that protects the interests of its members.

There are many life insurance companies offering various plans. Royal Neighbors may or may not be the policy provider that is right for you.

Policies Offered

Term Life

If you are looking for coverage for a set amount of time that offers a fixed premium, then Term Life may be the right policy for you and your family, particularly if you don’t have a lot to spend on life insurance.

Whole Life

Whole Life is Royal Neighbors’ flexible plan that adapts with all of the changes that may arise in your life. Its pre-determined premiums never change, even when the economy does. Whole Life also allows you to have coverage for your entire life so long as you continue to pay the premiums.

Universal Life

Universal Life is another plan that will change as your family’s needs change. You can adjust your plan for marriage, children, change in employment status and other major life changes. If you want a flexible plan that allows you to build cash value, then universal life may be a good option for you. You can read more about this in our article the top ten best reasons to consider Indexed Universal Life.


If you are looking for a life insurance policy that fits your needs, then TermLife2Go can help you. We work with dozens of different life insurance companies. We understand all their various plans which enables us to help you, the policyholder, find the insurance company and plan that is right for you and your family.

We do not favor any particular life insurance company over the others; you are our main concern. We make our recommendations specific to your needs.

If you would like a free quote for Royal Neighbors or would like TermLife2Go to give you a free life insurance consultation to help you find the life insurance policy that meets your needs, then please call us. We look forward to helping your family find the protection it needs!

Thank you for reading our article, Royal Neighbors of America Life Insurance Company Reviews. If you have any questions or comments please leave us a message below.

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