Royal Neighbors of America is a fraternal benefit society and one of the nation’s fastest-growing women-led life insurance organizations, founded in 1895 in Rock Island, Illinois by nine women. As a nonprofit fraternal organization, Royal Neighbors combines competitive insurance products with a member community focused on supporting women and serving local communities. Rated as one of Forbes’ Best Insurance Companies for 2025 and holding an A (Excellent) rating from AM Best — upgraded in 2020 and affirmed in December 2024 and 2025.
AM Best Rating: A (Excellent)
Royal Neighbors carries an A (Excellent) rating from AM Best — the 3rd highest of 13 ratings — with a Stable Outlook as of December 2025. AM Best upgraded the rating in 2020 based on improved operating performance trends and premium growth, and has affirmed it each year since.
Term Life Insurance
Competitive term life products available for individuals and families at various coverage amounts. Simplified underwriting options available for qualifying applicants seeking fast approvals.
Whole Life Insurance
Royal Neighbors offers whole life products including their new Jet Single Premium Whole Life (SPWL) — launched in 2025 — which provides a one-time premium payment option with a simplified application and guaranteed lifetime coverage.
Fraternal Member Benefits
Policyholders become members of Royal Neighbors and gain access to: prescription savings programs, health screenings, grief support services, grant and scholarship opportunities, and a network of community chapters across the country.
Mission-Driven Organization
Founded in 1895 to make life insurance accessible to women at a time when few carriers would insure them. Today, Royal Neighbors’ 280,000+ members continue this mission through localized volunteerism and community impact — delivering $43.85 million in social good impact in 2024 alone.
Best For
Women seeking life insurance from a mission-aligned organization; clients who value member community benefits alongside their coverage; seniors looking for simplified issue whole life with a single premium option.
Get a Royal Neighbors of America Life Insurance Quote
Call us at 1-888-972-0024 or contact us to get a personalized quote. We compare rates across all major carriers at no cost to you.