Royal Neighbors of America: Life Insurance For Women (& Men)

Royal Neighbors of America Life Insurance For Women

Written by Kim Wilhelm

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Last Updated 21 May 2024

Royal Neighbors of America is an organization you’ve probably never heard of before.

It was founded as a fraternal benefit society back in 1895 by nine women. Back then, the thinking was that only men needed life insurance, and women were left out.

Royal Neighbors set out to change the life insurance landscape by being the first organization to offer life insurance to women. Over the years, this women-led society has grown to be the largest life insurance company in the industry and nationwide.

Its mission is to help women get life insurance and annuity products that are easy to understand. Though they focus on empowering women in communities, men can also get life insurance through Royal Neighbors of America.

We are proud to partner with an organization like Royal Neighbors of America to offer its simplified issue whole life final expense policy.

By working with multiple insurance providers like Royal Neighbors, Final Expense Direct can offer seniors and other age groups the best final expense rates for their health and age. No matter how old you are or what health problems you have, Final Expense Direct can find a company that will cover you.

Now, let’s go over the details of the Royal Neighbors of America final expense policy to see if it’s the right fit for you.

Royal Neighbors of America Life Insurance Final Expense Insurance

The Royal Neighbors of America final expense insurance plan is available to seniors between the ages of 50 and 80. The minimum coverage amount is $7,000, with a maximum face amount of $30,000.

Life insurance through Royal Neighbors is available in all states, plus Washington, D.C. except:

  • Alaska
  • Alabama
  • Hawaii
  • Louisiana
  • Massachusetts
  • New Hampshire
  • New York

Seniors who qualify for Royal Neighbors of America final expense life insurance can add a free rider when they apply. This benefit is called an accelerated living benefit and will provide up to 75% of the death benefit amount while you're still alive if you have a qualifying event.

You have to either be diagnosed with a terminal illness with less than a year to live or confined to a nursing home for 90 days or more. You can use the money for any reason, whether you want to pay for care or go on a vacation with your family before you’re called home to the good Lord.

When you buy final expense life insurance from Royal Neighbors, you get at least 20 days to decide whether it’s the right policy for you. If not, you can cancel the policy and get back all the money you paid.

Royal Neighbors of America Life Insurance Burial Insurance

Royal Neighbors of America offers burial life insurance for seniors. The terms final expense insurance and burial insurance are often used interchangeably, which can be confusing. Both of them mean the same thing: a whole life insurance policy that pays a death benefit your beneficiary can use to pay for your funeral, end-of-life expenses, or anything else you wish.

Burial insurance is for seniors who can’t afford to fund their funeral plans or don’t have family who will pay for it. If that’s you, then buying a final expense burial insurance plan from Royal Neighbors may be the best choice.

To find out if Royal Neighbors is the best choice for you, call us at Final Expense Direct. You’ll be connected directly with a live agent – no automated systems here! – who will ask you a few questions about your coverage needs and health.

After that, you’ll be matched with the best final expense life insurance companies for your individual needs, whether that’s Royal Neighbors of America or another insurer. 

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Royal Neighbors of America Life Insurance For Seniors

Buying life insurance for seniors can be difficult, especially if you have health issues, but Royal Neighbors of America makes it easy. The Royal Neighbors of America final expense policy is simplified issue whole life insurance, so you’ll have to answer a few health questions to be approved. Regardless of your answers, there is no medical exam to complete for approval.

Be prepared to answer the following questions when you apply for Royal Neighbors life insurance for seniors plan:

  • Are you currently confined to a bed or wheelchair, hospitalized, or on oxygen?

  • Have you been advised to attend alcohol or drug counseling?

  • Have you been diagnosed with a health condition in the last 18 months that carries a life expectancy of 12 months or less?

  • Have you been diagnosed with or treated for AIDS, AIDS Related Complex (ARC), or HIV?

  • Have you been diagnosed or treated for any of the following in the last 18 months:

    • Aneurysm

    • Angina

    • Cardiomyopathy

    • Circulatory surgery

    • Heart attack

    • Heart failure or require heart surgery

    • Stroke

  • Have you been diagnosed or treated for any of the following in the last 24 months:

    • Chronic kidney disease

    • Cirrhosis of the liver

    • Internal cancers

    • Kidney failure

    • Leukemia

    • Melanoma

    • Systemic lupus

If you have one of the listed pre-existing conditions and answer yes to any of the questions listed above, you won’t be approved for an immediate death benefit with Royal Neighbors. 

But that doesn’t mean you won’t qualify for coverage.

Royal Neighbors of America Life Insurance For Women

Royal Neighbors of America Senior Life Insurance

If you can’t get approved for an immediate death benefit with Royal Neighbors of America senior life insurance, you may qualify for a graded death benefit. This means instead of your senior life insurance policy paying the full death benefit regardless of when you die, your beneficiary will get a reduced benefit if you die in the first two years.

If that happens, the beneficiary only gets the premiums returned plus 10% interest if you die a non accidental death. If your death is an accident in the first two years, they’ll get the full death benefit. And if you pass away after the two-year mark, they will also get the full death benefit.

Royal Neighbors of America Life Insurance Funeral Insurance

Many seniors buy final expense insurance to pay for their funeral costs, which Royal Neighbors of America Life Insurance Company offers. That’s why many in the life insurance industry refer to this senior life insurance plan as funeral insurance.

With a median cost of a simple funeral with burial and viewing at almost $9,000, it makes sense to buy a final expense policy to cover the cost. If you want to have a memorable send off, the cost will probably be over $10,000.

A final expense policy with Royal Neighbors of America or another Final Expense Direct company can help you pay for it. Buying life insurance now means your family won’t have to worry about how they’ll afford to have your funeral when it’s time for you to meet the good Lord.

Royal Neighbors of America Life Insurance Costs

Royal Neighbors of America life insurance costs are based on your state, age, gender, health, and smoking status. To give you an idea of how much it will cost you for life insurance with Royal Neighbors, check out the rates below. These life insurance costs are for a $10,000 final expense policy and may not reflect how much you’ll pay for coverage.

A 50-year-old make non-smoker would pay around $42 per month, while a 50-year-old female non-smoker would pay about $35 per month. Smokers of the same age would pay about $56 and $50 per month, respectively.

Now, let’s look at rates for a 65-year-old male and female. Smokers would pay about $92 and $69 each month. Non-smoker rates would be around $63 and $47 monthly. These rates are similar to Colonial Penn’s, but offer much more coverage and lock-in rates with Royal Neighbors — a value you won’t get from Colonial Penn.

If you need final expense life insurance, call Final Expense Direct today. We work with many final expense companies so we can help you find the cheapest rates for your health, even if it's not with Royal Neighbors. Let us give you peace of mind in one phone call, so you know when you’re called home to the good Lord, your family will be protected financially.

  • Immediate Approval Over the Phone Today!
  • Speak to a Live Agent 
  • Just a Few Health Questions 

Royal Neighbors of America Life Insurance Policy Offerings

Besides final expense life insurance for seniors, Royal Neighbors also offers term life insurance and whole life insurance products for adults and minors. 

The minimum whole life insurance coverage amount for adults is $25,000, while youth life insurance begins at $10,000 with the option to pay until age 121 or for 20 years.

Single premium life insurance is available from $10,000 to $200,000 for adults aged 45 to 80. 

For term life insurance, you can choose coverage lasting 10, 15, or 30 years for adults between the ages of 18 and 65. Coverage ranges from $50,000 to $5 million.

Premiums for any life insurance product can be paid monthly, quarterly, or annually. Those who choose a single premium whole life insurance will pay one lump sum premium payment. 

Royal Neighbors of America Annuities

Besides life insurance, Royal Neighbors of America also offers annuities for retirement. Funds are able to grow within the annuity vehicle on a tax-deferred basis. When funds are withdrawn, taxes are owed on the growth.

There are three annuity options from Royal Neighbors of America:

  • Single premium immediate annuity: This annuity requires a lump sum payment, which can come from savings or a retirement account. Since it’s an immediate annuity, you would begin to receive an income stream immediately.
  • Single premium immediate annuity: This annuity also requires a single lump sum payment, but the income stream is deferred until a future date, allowing the amount to grow and compound over time.
  • Flexible premium deferred annuity: For those who can’t make a single sum contribution, the flexible premium deferred annuity allows you to make regular contributions into the account. The amount will grow and compound, with income payments to the insured happening sometime in the future.

Unlike life insurance, which provides a death benefit to a beneficiary when the insured dies, an annuity provides an income stream for seniors in retirement.

Pros and Cons of Royal Neighbors of America Life Insurance 

Before choosing Royal Neighbors of America for senior life insurance, consider the pros and cons of its burial insurance products.


  • Height and weight are not considered
  • Generous underwriting guidelines
  • Can qualify even if you cannot perform all activities of daily living
  • Membership benefits for members and immediate family
  • Diabetic friendly


  • Minimum final expense insurance coverage starts at $7,000
  • Not available nationwide


Royal Neighbors of America is a great choice for senior men and women looking for final expense life insurance. However, not everyone will qualify. No matter what your age or health status is, Final Expense Direct can get you covered for your final expenses in just one phone call. Call us today to find out what you qualify for and get approved before you hang up the phone.


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