Royal Neighbors Products

Insuring Lives

Together we can make a difference. And because strong women build strong communities, you’ll find Royal Neighbors members throughout America’s cities and hometowns changing the world. This is not a new concept for us. Volunteering and the importance of neighbor-helping-neighbor have been Royal Neighbors’ vision since 1895. It’s part of our DNA.

Life Insurance is Like a Love Letter to Your Family 

Whether you’re just starting a family or heading toward retirement, life is full of ups and downs and the unexpected. Life insurance is a love letter you write while alive but your family receives when you die. The letter tells your family, “I knew someday I would not be here and I don’t want you to worry about money, so I bought life insurance to protect you.”

For example, if you were to die suddenly, would your loved ones have enough money to pay for funeral costs, the mortgage, and maybe even child care? Adequate life insurance can help protect your family and cover these expenses so they can maintain the quality of life you want for them.

Ready to Learn More?

We have many resources to help you identify your goals and figure out how much you’ll need to protect those who depend on you.

If you’d like to know what options are available, you can learn a little more about each type of life insurance here:

Royal Neighbors Insuring Lives

Royal Neighbors of America Products

ProductWhat It's Used ForDeath Benefit How Does Cash Value Build?Premium Payments
 Tax AdvantagedFixed  AmountSpecific Time PeriodGuaranteed Values over Time Fluctuates Based on Premium Payments and Interest RatesSet Premium Payment SchedulePay Once at Time of PurchaseFlexible Premium Options
Whole  LifeLife-long (permanent) protection table_checkmarktable_checkmarktable_checkmark
Youth Whole LifeLife-long (permanent) protection, coverage
Most affordable at young ages
Single Premium Whole LifeLife-long (permanent) protectiontable_checkmarktable_checkmarktable_checkmark
Simplified Issue Whole LifeLife-long (permanent) protection
lower death benefit
primarily for final expenses
Universal LifeLife-long (permanent) protection with flexible optionstable_checkmarktable_checkmarkCustomer may adjust1table_checkmarktable_checkmark
Term LifeProtection for a specific time periodtable_checkmarktable_checkmark15, 20, or 30 years2No Cash ValueNo Cash Valuetable_checkmark

If you prefer to narrow down your choices and then learn more, you can start with our interactive guide below to help you choose which solutions best fit your needs. It’s easy. We promise. Getting started is as simple as answering a few questions!

Certificates and riders are not available in all states. Contractual provisions and limitations may vary by state. Subject to reinsurance and underwriting requirements.

Whole Life and Youth Whole Life: Form Series 1314
Single Premium Whole Life: Form Series 1313
Simplified Issue Whole Life: Form Series 1311
Universal Life: Form Series 1315 and 1212
Term Life: Form Series 1611

1 Adjusting the death benefit amount will impact both the monthly deductions and the cash accumulate in the certificate.
2 At the end of the level premium period, premiums will increase annually until the certificate anniversary of the insured’s attained age of 95 at which time the certificate expires without value.

What Solutions Are Right For Me?

These scenarios best describe my financial concerns (select all that apply):
Select a choice
Please Select An Option
Form #: P00007-1; Rev. 9-2016 

What Solutions Are Right For Me?

About me and my responsibilities:
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My Age
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My Partner's Age
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Form #: P00007-2; Rev. 9-2016 

What Solutions Are Right For Me?

My Choices:
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Form #: P00007-3; Rev. 9-2016 

How Much Coverage Do I Need?

More about me and my finances:
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Insurance Types:
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Monthly/Annual Retirement Income: this includes Pension & Annuities.
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Amount of Other Debts
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My Assets
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Included 401K, IRA, and any other Investments
Form #: P00007-4; Rev. 9-2016 

How Much Coverage Do I Need?

My children and their education:
Please Select An Option
Child Icon

Oldest Child

years old.
Please Select An Option
More Child Options
More Child Options
Form #: P00007-5; Rev. 9-2016 

How Much Coverage Do I Need?

More about me:
Please Select An Option
Form #: P00007-6; Rev. 9-2016 

My Coverage Choices

My current resources are: N/A
Includes estimated potential Social Security benefits
My recommended coverage is: N/A
My coverage gap is: N/A
How did we figure this out?
I am most concerned about:See My Concerns
    Riders are features you can add to customize your coverage based on your individual needs. These riders may add to the cost of your insurance. Click on the rider options below to learn more about each of the available riders.

    what riders ARE offerED WITH MY COVERAGE OPTIONS?

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Accidental Death Benefit

    More Info

    Cancer Waiver Rider

    Our Cancer Waiver rider allows the insured to waive two years of premiums or monthly deductions if diagnosed with Stage II or greater cervical, ovarian, or breast cancer prior to turning 60 years old. This rider eliminates the concern of making life insurance payments during this period so the insured can focus energy on what’s really important – getting well and spending time with loved ones.
    Form series 2084
    Pop up Arrow
    Form #: P00007-7; Rev. 9-2016 

    Free and Discounted Programs for Our Members

    Opportunities to save money, volunteer, and more!

    Do you or someone in your household (select all that apply):

    Form #: P00007-8; Rev. 9-2016 

    Free & Discounted Programs for Our Members

    Opportunities to save money, volunteer, and more!

    Benefits you ARE interested in:

    Legal Icon

    Legal services

    Dental Icon

    Dental care discounts

    Retail Discounts

    Retail discounts

    Prescription Icon

    Prescription drug discount


    Vision discounts


    Cashback online shopping


    Hearing aid discounts


    Lifeline screenings

    Benefits you MAY BE interested in:

    Form #: P00007-9; Rev. 9-2016 
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    From Beginning
    Restart Coverage
    Form #: P00036; Rev. 8-2016
    Royal Neighbors Pop Up Glossary

    Pop-up Glossary


    a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

    Royal Neighbors Pop Up Glossary
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    Royal Neighbors of America
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    The calculations contained within this calculator are specific to Royal Neighbors of America. It is intended to estimate an amount of life insurance coverage if death occurred in the near future. It is not a recommendation for specific coverage amounts. Your financial needs may differ from the estimates. Royal Neighbors does not guarantee that the amount illustrated here will meet your financial needs. You are responsible for selecting the appropriate amount of coverage. To evaluate your specific needs, please contact Royal Neighbors directly at (866) 845-6665.

    • Immediate Needs N/A
    • Mortgage Amount: N/A
      Other Debts: N/A
      Funeral Expenses:N/A
    • Long-term Needs N/A
    • College Costs: N/A
      Total Income:N/A
    • Total Needs N/A
    • Immediate Resources N/A
    • Investment Assets N/A
      Life Insurance Proceeds N/A
    • Long-term Resources N/A
    • Partner's Earnings N/A
      Social Security N/A
    • Total Resources N/A
    Additional Life Insurance Needed
    • Your total needs minus your total resources means you need N/A

    Income Replacement Estimate

    This chart estimates how much life insurance your loved ones may need to replace your income and maintain their current standard of living. Your dependents may be eligible to collect Social Security income benefits, which are included in the calculation below. The “Insurance Needed” column does not include financial needs such as paying off debt or paying for college.
    Year Partner Age Partner Income S.S. Income Available Income Desired Income Surplus/Shortfall Available Resources Insurance Needed

    Calculations include your answers to the previous questions, in addition to the following: 3% investment return; 2.6% anticipated inflation rate; $8,500 for funeral expenses which is based on the national median cost for an adult funeral in 2014 according to the National Funeral Directors Association1; 75% of your annual combined income for desired annual income needs; and 15 years for the number of years’ income needed or the calculation of the number of years it will take your youngest child to complete higher education, whichever is greater. Social Security benefits were factored based on the age of your youngest children (up to 4). Immediate needs include your mortgage, other debts, and $8,500 for funeral expenses.

    College cost estimates are based on the following parameters (based on data provided by [College Board] . The inflation rate for college costs (5.48% annually) is based on the Bureau of Labor and Statistics Consumer Pricing Index average from January 1996-June 2016. This rate will factor into college cost assumptions for future years, adjusted annually.

    • Amount for community college: 2 years @ $3,435/year (tuition and fees only)
    • Amount for public university: 4 years @ $19,548/year (tuition, fees, room and board)
    • Amount for private university: 4 years @ $43,921/year (tuition, fees, room and board)

    1 “The national median cost of a funeral with viewing and burial for calendar year 2014 was $7,181. If a vault is included, something that is typically required by a cemetery, the median cost is $8,508. The cost does not take into account cemetery, monument or marker costs or miscellaneous cash-advance charges, such as for flowers or an obituary.”

    Contact Royal Neighbors

    Contact Royal Neighbors

    Insuring Lives, Suporting Women, Serving Communinites