About Us

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We are different

Generally, neither women nor children were insurable more than 125 years ago. But Royal Neighbors changed that. As one of the largest women-led life insurers in the U.S., we promise to financially protect you and your family. That’s the true meaning of life insurance – to protect the lives of those you love. But it goes deeper. We’re not just about selling life insurance. As a Member you will receive free and discounted services for things like prescriptions, legal services, and online shopping. We also offer grants such as our Nation of Neighbors℠ Program and educational scholarships.

And we will support your local community improvement projects. That’s where the name Royal Neighbors came from - combining “neighbor-helping-neighbor” with “royal,” signifying our founders’ belief in the nobility of the work they would do. In 2021 our Members generated $20.5 million in what we call Social Good through programs and support from Royal Neighbors.

Our Mission

Our unique mission of insuring lives, supporting women, and serving communities stems from being a fraternal benefit society and an organization with a dual mission of both providing financial protection through life insurance and “neighbor-helping-neighbor” community service. Royal Neighbors is a different kind of insurance organization.

We invite you to be a member of our Royal Neighbors family, take part in our programs, and join us in making a difference.

We are financially strong & stable

You can be confident in your purchase with Royal Neighbors of America. Safeguarding the interests of our members is our highest priority. Our conservative financial management philosophy provides strength and stability. But it goes beyond that. As a not-for-profit member organization we provide money-saving discount programs for our members, and support local giving in the communities where you live. We are Insurance with a Difference℠.

Financial Overview

Assets: more than $1.2 billion under management
Surplus: $195 million
A.M. Best Credit Rating of A Excellent (3rd highest out of 13 for overall financial strength)*

*As of November 17, 2022, Royal Neighbors is rated A Excellent (3rd highest out of 13) by the AM Best Company for overall financial strength and ability to meet ongoing obligations to certificate holders. For the latest Best’s Credit Rating, access ambest.com .

Read Royal Neighbors' full 2022 Annual Report.

Learn more about Royal Neighbors

Check out the Royal Neighbors Overview to learn about our mission, history and Insurance with a Difference.

Try our interactive guide to help you identify what type of life insurance coverage will meet your needs.

And if you’d like Royal Neighbors to help you make a difference in your local community, learn about our Membership, and other Benefits of Membership.