Memberships
Insurance with a Difference℠
Royal Neighbors is a membership organization that offers life insurance, annuity products, and exclusive Member Programs. At Royal Neighbors, life insurance means more than protection—it means belonging to something bigger. When you choose Royal Neighbors, you’re not just helping secure your family’s future, you’re joining a community that gives back. We call it Insurance with a Difference—because it’s protection with heart, purpose, and impact.
When you become a Royal Neighbors member, you’ll enjoy exclusive access to programs and resources to help you pursue dreams like going to college, leading a project for a cause close to your heart, and joining our national chapter network of volunteers.
Royal Neighbors of America offers two types of memberships:
General Membership
What is a General Membership?
General Members are members who don’t have a financial product with us (and are 15 years or older) who apply for membership and pay an annual membership fee of $20. Anyone holding a General Membership who has not reached the age of 15 is considered a Youth General Member. Annual membership fees are not required for Youth General Members.
Who Qualifies as a Beneficial Member at Royal Neighbors of America?
You’re considered a Beneficial Member if you meet one of the following conditions:
- You are insured under a Royal Neighbors life insurance certificate (as long as the certificate is not currently on Extended Term Insurance).
- You are the owner of a Royal Neighbors annuity.
- If the annuity is owned by a trust, the annuitant (the person receiving the annuity payments) is considered the Beneficial Member.
- You are owner of a settlement contract.
- When the insured person passes away, the beneficiaries can choose how to receive the death benefit, should they not wish to receive a lump sum payment. These are known as settlement options/contracts. Please refer to the applicable Settlement Options provision of the contract.
| Opportunity | General Member | Beneficial Member |
| Community Chapters Connect with a chapter in your area or start your own to give back through volunteerism. | x | x |
| Difference Maker Fund Apply once a year for a grant of up to $200 to support your volunteer project. | x | x |
| Member Savings Enjoy discounts on prescriptions and preventative health screenings. | x | x |
| Nation of Neighbors℠ Nominate a leader making a difference in your community. | x | x |
| RoyalConnect Participate in our monthly kindness initiative, and for every person that shares their participation with us, we’ll donate $10 to a selected nonprofit. | x | x |
| Empathy Bereavement support for beneficiaries and up to four family members. | x | |
| Member Relief Fund Premium assistance for members facing illness, an accident, or disaster. | x | |
| Scholarship Program Financial aid provided to Beneficial Members who plan to pursue post-secondary education at an accredited institution to obtain a trade or vocational degree, associate’s degree, bachelor’s degree, master’s degree, or doctoral degree. | x | |
| Voting Privileges Help shape the future of Royal neighbors. Learn more in our Bylaws. | x |