Royal Neighbors

Royal Neighbors of America is a fraternal organization that focuses on assisting women. The group was founded in 1895. Today, it offers a variety of life insurance options, some of which may be used for burial or final expense insurance. The company’s simplified issue whole life policy is a good place to start if you are between the ages of 50 and 85. The policy offers up to $25,000 in coverage and it does not require a physical exam.

Can I cancel a burial insurance policy?

Burial insurance policies are normally not cancelled. One way to override this rule of thumb is to stop paying the required premiums. If you do so, however, you will not be eligible for any refunds or compensation based on premiums already paid. You also may have trouble obtaining additional insurance in the future. The other exception to the no-cancellation rule is in the case of fraud by the providing insurance company.

Will a funeral home accept payment with burial insurance from Royal Neighbors?

Burial insurance, normally called final expense insurance by insurance companies, typically pays its benefits in cash. There are thus no limitations on how a beneficiary may spend said cash. Beneficiaries may elect to use some or all of their payout for funeral home services.

Can I obtain burial insurance from Royal Neighbors even though I have health issues?

Burial or final expense insurance is intended to help individuals with poor health. However, insurance generally require proof that any illnesses suffered by an applicant are non-terminal in nature. It is usually easier to obtain burial insurance than it is to obtain regular life insurance, even if you’re in poor health. Burial insurance offers lower payouts on average than normal health insurance. Some terminal health conditions will prevent you from obtaining burial insurance. Since company policies vary, you should contact as many insurance firms as possible to find a policy that meets your individual needs.

Most insurance companies do not require burial insurance applicants to undergo medical exams or health screenings, though most do require applicants to fill out a health-related questionnaire.

How to get started with Royal Neighbors

If you are already a Royal Neighbor’s life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote on its website, or you may call the company using the information below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A-, Stable outlook
Moody’s – No rating
Standard & Poor – No rating

Company contact info

Royal Neighbors of America
230 16th Street
Rock Island, IL 61201
(800) 627-4762