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We are
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Insuring Lives, Supporting Women, Serving CommunitiesSM

At Royal Neighbors, we're not your typical insurance provider; we're a catalyst for positive change. Our mission encompasses three core pillars: insuring lives, supporting women, and serving communities. These core pillars are rooted in our values of faith, courage unselfishness, endurance, and humility. We are Royal Neighbors, and here's what truly sets us apart:

Insuring Lives
Our commitment goes beyond financial protection. With a robust A-Rating from AM Best, we offer life insurance and annuity products designed to safeguard your future and ensure your legacy. But we're more than just a safety net; we provide comprehensive member programs tailored to your unique needs.

Supporting Women
Since our founding in 1895 by nine trailblazing women, empowering our members through insurance protection has been our passion. We were pioneers in making life insurance accessible to women when few would. Today, we continue to thrive as a business that is wholeheartedly dedicated to uplifting women and their local communities through volunteerism and goodwill.

Serving Communities
Our legacy of giving back runs deep. Through our unique chapter system, our members have been making a significant impact in their communities for more than 125 years. We believe in the power of volunteerism, and it's through our philosophy of neighbors-helping-neighbors of we've helped communities thrive. When you become a Royal Neighbors member, you become part of a tradition of support, where the neighborhoods in which our members live, work, and play benefit from the collective efforts of individuals who care deeply about making a difference.

What does this mean for you?
Choosing Royal Neighbors is about aligning yourself with a mission-driven organization that's committed to your financial well-being and to the betterment of society. Our life insurance products and member programs are tailored to your unique needs, ensuring that you have the protection you and your loved ones deserve. When you become a Royal Neighbor, you become an integral part of a movement that empowers women, supports communities, and strives to make the world a better place.


Discover more about how you can make a meaningful difference with us.


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coverage options


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.”

The specified form no longer exists or is currently unpublished.
Form #: P00473; Rev. 2-2024