Royal Neighbors Summarized View:
In 1895, Nine women founded Royal Neighbors of America with the desire to empower women in society. In the late 1800s women could not vote, could not own property and could not own a life insurance policy. Royal Neighbors of America was chartered as a fraternal benefit society on March 21, 1895 in Peoria, Illinois. Its charter dictates that Royal Neighbors and its members should give back to their communities.
Since that time, Royal Neighbors of America and its 200,000 members has grown to be a major force in the life insurance industry. Over $850 million in assets and total life insurance in force of more than $2.6 billion. Its charter and mission have not changed at all. Royal Neighbors of America is still here to give back to the community at large.
Royal Neighbors of America is a fraternal beneficiary society. It is a non-profit, mutual aid group that operates over 300 active chapters, called lodges, accross the country.
Throughout its history, Royal Neighbors of America has been about empowering women. The women’s suffrage movement was, in fact, spearheaded by Royal Neighbors of America.
In the last decade, Royal Neighbors of America has evolved into a cutting edge life insurer. Using the best technology to provide superior benefits and superior service. Accolades in the life insurance industry are common place as per Royal Neighbors of America being the first to implement best-in-class technological practices.
Royal Neighbors of America:
Royal Neighbors Bullet Points:
Royal Neighbors Product Overview:
Royal Neighbors of America is a competitive and convenient to use life insurance carrier. The process for the Final Expense application is like no other because Royal Neighbors offer a point of sale underwriting decision and a paperless face to face application process. There are only six ‘knockout’ questions with two that can be answered yes to apply for its Graded Benefit and they do not ask for height/weight so one cannot be declined for weighing too much or too little.
There is prescription list they created which will show you how they come to a decision when reviewing the prescription medications an applicant might be taking, they call it ‘common sense’ underwriting, you will find this at the bottom of the agent guide attached.
Royal Neighbors has very competitive rates with their Simplified Issue Whole Life, Traditional Whole Life, Simplified Issue Term Life & Single Premium Whole Life. The Final Expense SIWL rate for a 65 year old female with a $10,000 face amount is $44.63 for the Immediate Issue Benefit and if they cannot qualify for a preferred rate it is only $63.36 for the Graded Benefit Option. The Graded option is unique because it is a true Graded benefit with 30% of the death benefit available in the first year if a claim is filed and 70% available in the 2nd year.
Royal Neighbors of America - Investing Basics »
Royal Neighbors of America - Social Security Benefits »
Royal Neighbors of America - Practical Budgeting for Today »
* The information provided is intended for licensed Royal Neighbors insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.
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