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Royal Neighbors of America burial insurance
Royal Neighbors is a fraternal society founded by women at a time when most insurers would not write them, and it is still frequently the most competitive option for a female applicant.
Rating read from AM Best on September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
Worth quoting on every female applicant, and worth quoting on conditions that have caused a decline elsewhere. Its niche is real rather than marketing.
What is good and what is not
In its favour
- Often the best price for women, particularly in the older age bands
- Writes some conditions that stop applications at other carriers
- Member benefits included, as with any fraternal
- A rated
Against it
- Less competitive for male applicants in good health
- Smaller and less recognised than the household names
- Issue ages start at 50
How it treats your health
Simplified issue with a knockout list, but with a genuinely different appetite from the mainstream carriers on several conditions. That difference is the reason to hold the appointment, and it is why a decline elsewhere should be re-run here before anyone concludes the market is closed.
What it actually sells
Simplified issue whole life for final expense, in immediate and graded versions.
The waiting period
No waiting period on the immediate version. The graded version carries the standard two year reduced benefit on natural death.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount, state and underwriting tier. Sex matters more here than at most carriers.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Royal Neighbors of America would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Royal Neighbors of America
Is Royal Neighbors only for women?
No. Anyone can buy a policy. It is simply that the pricing is frequently better for women than the market average, which is a legacy of who the society was founded to serve.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.