Blog | Royal Neighbors Burial Life Insurance Review & Quotes

Royal Neighbors Burial Life Insurance Review & Quotes

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If you would like a quote from Royal Neighbors, you will can click the button at the end of this article – OR – the button right below. If you would like us to do it for you, please call us at 1-734-288-8323.

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Royal Neighbors of America may be perfect for …

Researching final expense burial life insurance by Royal Neighbors of America? Your research can stop here, in this article we will review with you why Royal Neighbors is one of the most reputable burial life insurance carriers.

Royal Neighbors Burial Life Insurance Reviews and Rates

Understanding the right insurance carrier and policy for your case is critical. Our mission at Affordable Final Expense is to empower you with the right information so that you can make the best decision possible for you and your family.

Similar to most life insurance carriers, Royal Neighbors offers several different life insurance products, all of them are very unique.

Royal Neighbors Burial Insurance FAST Facts


  • First Year In Business: 1895 (125+ Years Old)
  • Final Expense Age Availability: 50-85
  • Whole Life (Jet Whole Life) Age Availability: 18-80
  • Youth Whole Life (Jet Whole Life) Age Availability: 0-17
  • Final Expense Face Amount Range: $5,000-$25,000
  • Jet Whole Life Face Amount Range: $25,000-$5,000,000
  • 2 Guaranteed Issue (2 Year Waiting Period): Available
  • State Availability: 43 States (Not Available in AK, AL, HI, LA, MA, NH, NY)
  • Optional Riders: Accelerated Death Benefit
  • How To ApplyClick Here
  • Unique Features: Become a Royal Neighbors benefits member and receive unique benefits; Retail, Vision, Legal, Prescription Drug, Dental, Prescription, Lab Testing, CTI and CatScan
  • Disadvantage: None (relatively speaking)
  • Unique Underwriting Strengths (will cover these conditions): Type 1 & 2 Diabetes | Atrial Fibrillation (AFIB) | Aneurysms | Arrhythmia | Assisted Living | Bi-Polar | Brain Tumors | Bronchitis | Bypass | Cancer, 2 Years w/out Treatment | Cerebral Palsey |Cirhossis, 2 Years w/out Treatment | COPD, 2 Years w/out Treatment | Cystic Fibrosis | Disability | Heart Attack, 2 Years w/out Treatment | Hepatitis, 2 Years w/out Treatment | Home Health Care (ONLY carrier that accepts this) | Irregular Heart | Muscular Dystrophy, 2 Years w/out Treatment | Pancreatitis | Pacemaker, 2 Years since last episode | Sickle Cell | Stent, 3 Years since last epside | TIA/Stroke | Ulcerative Colitis | Uses a Walker |
  • Accepts Direct Express: Yes
  • Approval w/Felony on Record: Yes

Final Expense Burial Life Insurance Product Brochure

Royal Neighbors Jet Whole Life Product Brochure

Royal Neighbors Review

At Affordable Final Expense, we absolutely love Royal Neighbors, one of our favorite carriers and policies. Below is a brief list of reasons why Royal Neighbors is one of our favorites and may be right for you;

  • Lenient Underwriting (accepts many conditions other will not)
  • Affordable and Competitively Priced
  • Phone Applications Accepted
  • FAST, EAST Electronic Application (we can submit application for you in 10-15 minutes)
  • Accepts All Forms of Payment (Bank, Credit Card, Direct Express)
  • Royal Neighbors Members Benefits (best in industry)
  • Flexible Policy Types (Whole Life, Single Premium, Final Expense)

Royal Neighbors of America currently maintains an A- rating with A.M. Best, and has historically maintained an A- or better. The combination of excellent rating along with 125+ years of continuous operation gives us all great confidence that we are dealing with a world class organization.

They have some of the strongest financials in the business. Their final expense insurance offering is equally as impressive as other top carriers in the industry. They have two different final expense policies your independent agent or adviser can help you with;

Graded Plan

 – This one is a sound alternative for you if you deal with certain health issues. The death benefit payout is limited for the first two years, but there is some immediate protection; 30% first year, 70% on the second year and 100% thereafter. Rates are very competitive for the graded plan. If you happen to only qualify for their graded plan, it might be best to have your independent agent to shop other carriers, there might be better alternatives.

Simplified Issue Final Expense Burial Life Insurance – If you qualify for the the simplified issue, there is nothing not to like about the policy. The underwriting and application is simple, the policy is affordable and competitively priced and the member benefits are almost worth the cost all by itself! Royal Neighbors is also one of the best carriers for Diabetics. Quite honestly, they cover many health issues that other carriers will not.

In the end, Royal Neighbors is a superior choice for for many (MANY) people. They are easily the most diabetic friendly burial insurance company on the market. Royal Neighbors should ALWAYS be on your list of carriers to investigate.

Royal Neighbors – Non-Profit & Philanthropic Causes

Okay, a little bit of truth, the two most important factors for our clients are usually; PRICE and REPUTATION. With that said, there are some cases where Royal Neighbors may be a few extra dollars per month but the member benefits make up that difference – AND – you can sleep well at night that part of your premiums are being put to good use for Non-Profit and Philanthropic causes including;

Royal Neighbors of America is a Fraternal Benefits Society.

What is a Fraternal Benefits Society?

Royal Neighbors of America is a fraternal benefits society, in simple terms a member benefits community. This is a legal entity that allows Royal Neighbors to pursue and accomplish their philanthropic goals while providing some of the best life insurance products in the industry to their members .Here is the U.S. legal definition of a fraternal benefits society:

A body corporate, without share capital, operating for the benefit of its members and not for profit, with a representative form of government including a lodge system, and that is incorporated for fraternal, benevolent, or religious purposes, including the provision of insurance or annuity benefits to its members, their spouses, children or beneficiaries.

There are no shareholders, they exist solely to provide benefits and support to their members and policy holders. Since they are a nonprofit, any profits from their life insurance business go to their members in the form of benefits and support back to their members and community.

A fraternal benefits society is not the same as a traditional insurance company. Because of this type of legal entity, they are responsible for their own solvency and reserves. This differs from a regular life insurance company. A traditional life insurance company pays into the U.S. state guaranteed fund.

If any insurer that pays into the fund should become insolvent, the policyholders have the safety net of the fund. Simply put, their is a state guaranteed fund that insures policy holders WILL be paid, in a timely manner, if the insurer becomes insolvent (can’t pay their claims).

There are legal standards that fraternal benefits societies must uphold to ensure that they remain solvent. The point being, you can sleep VERY WELL at night if you have a Royal Neighbors of America policy.

Royal Neighbors Fraternal Society Member Benefits

As a policy holder, you are also a benefits member. Below are some of the benefits offered by Royal Neighbors of America.

Royal Neighbors of America Member Benefits


Smile brighter with big savings at thousands of dental locations nationwide. Save 20% to 40%* on most services from general dentistry to special procedures. Use your card over and over again to help keep your teeth clean! 

Save on dental services such as cleanings, X-rays, crowns, root canals and fillings. Need specialty dental care? Save on orthodontics and periodontics, too!

* Actual costs and savings vary by provider, service, and geographical area.


Your eyes are the windows to your health. Now you and your family can see better savings at thousands of vision providers nationwide, including national chains and local retailers. You save 10% to 60% on glasses, contacts, laser surgery, exams and even designer eyewear. 


Know your numbers! You have direct access to over 1,500 major clinical laboratories nationwide where you can save 10% to 80% on typical costs for lab work. Find a location near you and order online or by phone. 

  • Test categories include allergies, vitamin, and cholesterol levels, liver function, fertility, thyroid and more
  • Confidential results in as little as 24 hours for most tests

Lab benefit not available to HI, MA, MD, ND, NJ, NY, RI or SD residents.

Have legal questions? Get legal answers. Free and discounted services from experienced attorneys. Members have access to a pre-qualified network of over 15,000 attorneys in all 50 states to help you analyze legal issuesand recommend a legal strategy.


Don’t pay full price! Save 10% to 85% on most prescriptions at over 60,000 pharmacies. Just present your card to save an average of 46% at locations nationwide. Compare your prescription prices and see for yourself at Participating pharmacies include CVS, Walgreens, Target, and many other independent, national and regional chains.


A better image leads to a better diagnosis, better treatment and a better recovery. Save 40% to 75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide.


Enjoy an extravaganza of savings! You have access to 4,000 retailers and comparison tools for best prices and most cashback incentives.

This program offers access to over 100,000 discounts and provides members an elite collection of local and national discounts. You can access these savings opportunities through this website. (You will need your Group and Member ID located on the front of your member card.)


Currently, one in nine Americans suffers from hearing loss. Let Amplifon help you find the right hearing aid solution to fit your lifestyle through personalized service and exceptional products for every budget. 

  • One-year free follow-up care for cleaning and checkups with purchase
  • Two-year supply of hearing aid batteries
  • Three-year warranty

Royal Neighbors Final Expense, Burial Life and Whole Life Insurance

Here are the knockout questions:

  1. Is the Proposed Insured currently:
    • Hospitalized, in a nursing facility, or receiving Hospice Care?
    • Confined to a wheelchair, bed, or using oxygen equipment to assist in breathing?
  2. Has a member of the medical profession ever diagnosed or treated the Proposed Insured for Acquired immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or any immune deficiency disease, or has the Proposed Insured tested positive for the Human Immunodeficiency Virus (HIV)?
  3. Has the Proposed Insured ever been diagnosed as having or been treated for:
    • Congestive heart failure, or had or been recommended to have a organ transplant?
    • Insulin shock, diabetic coma, amputation caused by disease, or taken insulin shots prior to age 30?
    • Dementia, Alzheimer’s Disease, or mental incapacity?
  4. During the past 18 months has the Proposed Insured been diagnosed as having:
    • Stroke, aneurysm, cardiomyopathy, or circulatory surgery?
    • Angina (chest pain), heart attack or failure, or heart surgery?
  5. During the past 24 months, has the Proposed Insured been diagnosed as having, or been treated for:
    • Internal Cancer, Melanoma, or Leukemia?
    • Cirrhhosis, liver disease, kidney failure (including dialysis), chronic kidney disease, or systemic lupus?
  6. During the past 18 months, has the Proposed Insured been diagnosed as having:
    • A condition expected to result in death within 12 months?
    • Been advised by a medical professional to have any diagnostic testing which has not been completed or for which the results have not been received?
    • Been recommended by a physician to have treatment or counseling for alcohol or drug abuse?

Health Questions:

If you were to answer yes to any of these health questions, your application will be declined. You can still be declined even though you answer no to all these questions.

Being declined in spite of no answers would only happen if they found something in your medical history that contradicts your answers, such as a prescription history that is not consistent with answers to the health questions.

We would only put you in a guaranteed issue plan if absolutely necessary. Gerber Life and Mutual of Omaha both have amazing guaranteed acceptance final expense plans.

This is where a local independent insurance adviser is very helpful and invaluable for you, they will (WE WILL) save you time and money in the process of looking for the perfect carrier and policy for you.

Royal Neighbors – Best Value and Biggest Bang for Your Buck

Simply stated, Royal Neighbors of America provides the best value for the dollar in the industry. You may be able to find a lower rate, but the member benefits, easy underwriting, flexible payment options and lenient underwriting truly set Royal Neighbors of America apart from the competition. Royal Neighbors is just one of many carriers that we have can access and help you with and easily beats Colonial Penn’s and AARP’s on price and value.

Pro Tip: If you currently have Globe, Colonial Penn or AARP, you are paying way too much. Their prices are much more expensive than the the other final expense companies and basically the entire industry.

Royal Neighbors of America is one our favorites, they should be on everyone’s MUST LOOK INTO list. Because of the value, the community, the member benefits, the peace-of-mind that comes with dealing with a non-profit and philanthropic causes, Royal Neighbors is GREAT for organizations, congregations, senior communities and basically everyone! Read about Royal Neighbors Life Insurance for Churches and Congregations.

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