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AM Best Upgrades Credit Ratings of Royal Neighbors of America

Dec 15, 2020
Article updated on August 18, 2021

Royal Neighbors of America, Rock Island, Illinois, announced AM Best has upgraded their Financial Strength Rating to “A Excellent” (3rd highest out of 13) from “A-“ (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) to "a" from "a-.” The outlook of these Credit Ratings (ratings) have been revised to stable from positive.

The ratings reflect Royal Neighbors’ balance sheet strength, which AM Best categorizes as strongest, as well as its adequate operating performance, neutral business profile, and appropriate enterprise risk management.

Additionally, the rating upgrades reflect the organization’s improved operating performance trends, including premium growth and overall profitable earnings in the past three years. The operating earnings have improved as a result of reduced business strain from the company’s life insurance products.

In a statement on their website, AM Best says they expect Royal Neighbors to continue to see a trend of positive earnings in the near term, stating, “The rating actions also reflect Royal Neighbors’ long-standing presence as a fraternal society serving women and their family members, as well as its strong risk-adjusted capitalization.” It added, “With more than 125 years of history, Royal Neighbors has supported its members with life and annuity insurance programs and fraternal benefits in 42 states through its strong capital and surplus position.”#1

#1This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best’s Credit Ratings. For information on the proper media use of Best’s Credit Ratings and AM Best press releases, please view Guide for Media - Proper Use of Best’s Credit Ratings and AM Best Rating Action Press Releases .

About Royal Neighbors of America
Royal Neighbors of America is a unique provider of life insurance and annuities whose mission is to protect women financially and empower them to improve their lives, families, and communities. Royal Neighbors was founded in 1895 as a membership organization by nine pioneering women who recognized the need to insure the lives of women and children. In 2020, Royal Neighbors was upgraded to “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 more information about Royal Neighbors of America, visit


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