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Insurance with a Difference℠

Royal Neighbors of America is a fraternal benefit society whose mission is to protect women and their families financially through life insurance and annuities and empower them to improve their lives, families, and communities. Royal Neighbors was founded in 1895 by nine pioneering women on the belief that when we come together, we can make a difference and drive change for the better.

As a Member, you have access to unique programs and resources to pursue dreams like going to college, leading a project for a cause close to your heart, and joining our national chapter network of volunteers. You also enjoy easy access to savings offers designed to help you maximize your budget and improve your health.

Royal Neighbors of America offers two types of membership

Beneficial Membership
Beneficial Members are Members who have a financial product with Royal Neighbors. These Members are insured by Royal Neighbors or are the owners of an annuity or settlement contract with Royal Neighbors. There is no additional membership fee.

General Membership
General Members are Members who don’t have a financial product with us and are 15 years or older who apply for membership and pay an annual membership fee of $20. Anyone holding a General Membership who has not reached the age of 15 is considered a Youth General Member. Annual membership fees are not required for Youth General Members.

OpportunityGeneral MemberBeneficial Member
Community Chapters
If you have a desire to give back through volunteerism, we can connect you with a chapter in your area, or we can help you start your own.
Difference Maker Fund
As a Royal Neighbors Member, you can apply for a $200 Difference Maker Fund grant once a year to help offset the costs of your volunteer project.
Member Savings
Easy access to a variety of savings offers designed to help you maximize your budget. You will find savings on legal services, vision and dental services, prescriptions, diabetic supplies, retail, and much more.
Nation of Neighbors℠
You can help us spread women’s empowerment by nominating a leader in your community!
A monthly program designed to connect the community to our mission of empowering women and serving communities through small acts of kindness. For every person that shares their participation with us, Royal Neighbors will donate $10 to a selected nonprofit.
Subscription to The Royal Neighbor magazine
Available online and in print.
Member Relief Fund
Our Member Relief Fund provides monetary assistance to Beneficial Members experiencing financial hardship resulting from illness, accident, or disaster.
Scholarship Program
The Royal Neighbors of America Scholarship Program provides financial assistance to Members who are insured by or own an annuity with Royal Neighbors and plan to pursue post-secondary education at an accredited institution.
Voting Privileges
Learn more by reviewing our Bylaws.
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Form #: P00026; Rev. 7-2023