five ways royal neighbors stands up for women and their families

our mission

Our Mission
Financially empowering women and those they care about.

our history

Our History
Over 120 years of financial protection, volunteerism, and grants.

our products

Our Products
Easy-to-understand and innovative products with rider options.

our benefits

Our Benefits
Money saving discounts: grant and scholarship opportunities.

our strength

Our Strength
Our highest priority; safeguarding the interests of our members

Why Do I Need Life Insurance?

You probably have several people you care about – your spouse, your children and your parents. In addition to emotional support, they may count on you financially. While no life can be replaced, life insurance can provide a financial cushion so you can support those you love, even after you’re gone. 

So why do you need life insurance?

Because you have people who count on you to pay the mortgage and other monthly bills.
Because you want your children to have a debt-free college experience.
Because you don’t want to make others responsible for your financial obligations.
Because you want income tax advantaged death benefits to help protect you and your family.
Because life is precious.

Why Life Insurance for Your Family

The Benefits of Membership*

Royal Neighbors believes in sharing. Here are a few ways we enhance our members lives. 

Royal Neighbors Member Benefit Card
New Benefits Card

Dental Benefit


Smile brighter with big savings at thousands of dental locations nationwide.

Vision Discounts


Save 10% to 60% on glasses, contacts, laser surgery, exams and more.

Prescription Discounts


Don’t pay full price! Save 10% to 85% on most prescriptions at thousands of pharmacies.

Legal Discounts


Have legal questions? Get legal answers. Free and discounted services from experienced attorneys.

Cash Back Discounts

Retail Discounts

Enjoy discounts at over 100,000 places such as fitness centers, restaurants, hotels and more.

Learn More About Our Member Benefits

Access Your Member Benefits

*Membership benefits are not guaranteed. Please do not purchase or keep insurance or annuity products in order to be eligible or maintain nonguaranteed membership benefits. You should only purchase or keep these products if they meet your financial needs. Please assess the cost of purchasing and maintaining insurance or annuity products with the benefits received.  


Great Place to Work

Learn more about what makes Royal Neighbors a Great Place to Work®.

New Member Benefits Cards

Use your member benefits card to save on prescriptions, legal services and so much more! Learn more.

You Can Be A Difference Maker

Are You a Difference Maker?

Do you want to improve your community but need a little help? Our Difference Maker Fund offers Royal Neighbors members $200 in seed money to support a cause they are passionate about.  Get started now!

Royal Neighbors in the News


Royal Neighbors of America Names 2017 Employee of the Year

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The Royal Neighbors Foundation Announces 2018 National Build Your Worth Scholarship Program

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Cincinnati, Ohio, Urban Farmer Nadia Ruffin, Awarded National $10,000 Grant From the Royal Neighbors Foundation to Expand Quiwi Produce

Read More

Royal Neighbors of America Awards $100,000 in 2017 to Empower Women

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Royal Neighbors of America Helps McKara Caldwell Stitch a Legacy

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Susan Kenney Cotter Joins Royal Neighbors of America as Chief Marketing Officer

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Royal Neighbors of America named a Great Place to Work

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Aurora mom surprised with $5,000 national grant from woman-led life insurer

Read More

Fidelco Guide Dog Foundation receives $10,000 grant to train puppies for visually impaired

Read More

Royal Neighbors Foundation now taking applications for $10,000 Know Your Worth® small business grant

Read More
See More News Articles
See More News Articles
See More News Articles
See More News Articles

Spring 2018

In this issue you’ll meet McKara Caldwell, a young college student who understands the beauty of giving back. You also will get to know Karen Walker who is rebuilding after a flood, and Nadia Ruffin, an urban farmer who received financial assistance from the Royal Neighbors Foundation. And, we’ll give you tips about organizing those all-important personal papers you need to maintain.

Read this Issue
Royal Neighbors of America

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Royal Neighbors of America
230 16th Street
Rock Island, IL 61201
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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.” http://www.nfda.org/news/statistics

Contact Royal Neighbors

Contact Royal Neighbors

Insuring Lives, Suporting Women, Serving Communinites
Form #: P00018; Rev. 5-2018