five ways royal neighbors stands up for women and their families


Our Mission
Financially empowering women and those they care about


Our History
Over 120 years of financial protection, volunteerism and grants


Our Products
Easy-to-understand and innovative products with rider options


Our Benefits
Opportunities designed to help you save money

financial strength

Our Strength
Our highest priority; safeguarding the interests of our members

Why Do I Need Life Insurance?

You probably have several people you care about – your spouse, your children and your parents. In addition to emotional support, they may count on you financially. While no life can be replaced, life insurance can provide a financial cushion so you can support those you love, even after you’re gone. 

So why do you need life insurance?

Because you have people who count on you to pay the mortgage and other monthly bills.
Because you want your children to have a debt-free college experience.
Because you don’t want to make others responsible for your financial obligations.
Because you want income tax advantaged death benefits to help protect you and your family.
Because life is precious.

Why Life Insurance for Your Family

Member Savings Opportunities*

Royal Neighbors believes in sharing. Here are a few ways we enhance our members lives.

Royal Neighbors Member Savings Card membersavingscard
Member Savings Infographic

Dental Benefit


Smile brighter with big savings at thousands of dental locations nationwide.

Vision Discounts


Save 10% to 60% on glasses, contacts, laser surgery, exams and more.

Prescription Discounts


Don’t pay full price! Save 10% to 85% on most prescriptions at thousands of pharmacies.

Legal Discounts


Have legal questions? Get legal answers. Free and discounted services from experienced attorneys.

Cash Back Discounts

Retail Discounts

Enjoy discounts at over 100,000 places such as fitness centers, restaurants, hotels and more.

Learn more about your Member Savings offers

Access your Member Savings

*Member savings are provided at the discretion of Royal Neighbors of America and are not available in all states. Member savings opportunities are available at no extra cost and administered by a third party.  


Thank You

For more than half a century, Royal Neighbors has awarded scholarships to its members who have goals and aspirations that require additional education.
Meet our 2018 Scholarship Recipients.


A simple way to get a will

Access your free and discounted Legal Services! Learn more.

You Can Be A Difference Maker

Are You a Difference Maker?

Do you want to improve your community but need a little help? Our Difference Maker Fund offers Royal Neighbors members $200 in seed money to support a cause they are passionate about.  Get started now!

The Royal Neighbor Summer 2019 Magazine Cover

Summer 2019

The Royal Neighbor is your go-to source for information about Royal Neighbors activities. You’ll gain valuable insights on lifestyle topics like financial security, healthier living, and the importance of volunteering. Whether it’s financial protection or philanthropy, you’re sure to find useful information in our membership publication. 

Read Our Digital Magazine
Royal Neighbors of America
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The calculations contained within this calculator are specific to Royal Neighbors of America. It is intended to estimate an amount of life insurance coverage if death occurred in the near future. It is not a recommendation for specific coverage amounts. Your financial needs may differ from the estimates. Royal Neighbors does not guarantee that the amount illustrated here will meet your financial needs. You are responsible for selecting the appropriate amount of coverage. To evaluate your specific needs, please contact Royal Neighbors directly at (866) 845-6665.

  • Immediate Needs N/A
  • Mortgage Amount: N/A
    Other Debts: N/A
    Funeral Expenses:N/A
  • Long-term Needs N/A
  • College Costs: N/A
    Total Income:N/A
  • Total Needs N/A
  • Immediate Resources N/A
  • Investment Assets N/A
    Life Insurance Proceeds N/A
  • Long-term Resources N/A
  • Partner's Earnings N/A
    Social Security N/A
  • Total Resources N/A
Additional Life Insurance Needed
  • Your total needs minus your total resources means you need N/A

Income Replacement Estimate

This chart estimates how much life insurance your loved ones may need to replace your income and maintain their current standard of living. Your dependents may be eligible to collect Social Security income benefits, which are included in the calculation below. The “Insurance Needed” column does not include financial needs such as paying off debt or paying for college.
Year Partner Age Partner Income S.S. Income Available Income Desired Income Surplus/Shortfall Available Resources Insurance Needed

Calculations include your answers to the previous questions, in addition to the following: 3% investment return; 2.6% anticipated inflation rate; $8,500 for funeral expenses which is based on the national median cost for an adult funeral in 2014 according to the National Funeral Directors Association1; 75% of your annual combined income for desired annual income needs; and 15 years for the number of years’ income needed or the calculation of the number of years it will take your youngest child to complete higher education, whichever is greater. Social Security benefits were factored based on the age of your youngest children (up to 4). Immediate needs include your mortgage, other debts, and $8,500 for funeral expenses.

College cost estimates are based on the following parameters (based on data provided by [College Board] . The inflation rate for college costs (5.48% annually) is based on the Bureau of Labor and Statistics Consumer Pricing Index average from January 1996-June 2016. This rate will factor into college cost assumptions for future years, adjusted annually.

  • Amount for community college: 2 years @ $3,435/year (tuition and fees only)
  • Amount for public university: 4 years @ $19,548/year (tuition, fees, room and board)
  • Amount for private university: 4 years @ $43,921/year (tuition, fees, room and board)

1 “The national median cost of a funeral with viewing and burial for calendar year 2014 was $7,181. If a vault is included, something that is typically required by a cemetery, the median cost is $8,508. The cost does not take into account cemetery, monument or marker costs or miscellaneous cash-advance charges, such as for flowers or an obituary.” http://www.nfda.org/news/statistics

Contact Royal Neighbors

Contact Royal Neighbors

Insuring Lives, Suporting Women, Serving Communinites
Form #: P00018; Rev. 3-2019