Written by Advanced Mutual Group

high blood pressureInsurance companies and different policies are not created equally, so a perfect policy for one person may be an absolute worst policy for the other person. Understanding the right Insurance carrier and policy is always critical for you. The idea always is to go with the right information so that you can make the best possible decision for yourself and your family.

Like many other life insurance carriers, Royal Neighbors offers various life insurance products, and all of these are quite unique. Royal Neighbors is one of the best and most reputable burial insurance carriers that includes simplified issue, graded death benefit, and single premium whole life.  

You are able to qualify for different plans as it depends on your answers to the health questions on the application. This particular policy covers all your final expenses and is designed to cover the funeral home expenses, traveling, casket, flowers, music, ceremony, cremation, and much more.


About Royal Neighbors

Royal Neighbors of America was established as a fraternal benefit society that focused on women and children in Council Bluff, Iowa, in 1895. Today Royal Neighbors is considered one of the largest women-led life insurance companies. It was actually one of the first Insurance companies in America to provide Insurance to women and children. Royal Neighbors has a mission that is a type of neighbor-helping-neighbor philanthropic mission. The main ambition is to empower women and their families. 

Royal Neighbors currently have more than 200,000 members and around more than $2.7 billion life insurance in force. Their assets are also nearly $1 billion, which makes them a stable company that you can trust to pay your claim on time.

There are various Insurance and annuity products that are offered by Royal Neighbors. Many people consider Royal Neighbors as an excellent fit. Their final expense offering is as impressive as the other carriers in the industry. 


Royal Neighbors Financial Rating

The financial rating of any company tells you the overall health of a company, its financial stability, and also its ability to pay the claims on time. One of the most important factors that the majority of people have to consider is the financial stability that the applicant should be looking for because it determines whether your beneficiary will get the death benefit when you die.

Different rating agencies have given high ratings to Royal Neighbors. A.M. Best gives a rating of A- (Excellent) to Royal Neighbors because of its financial strength and the timely payment of claims. Out of 15, this is the fourth-highest rating.

Royal Neighbors of America has also been an accredited member of the Better Business Bureau (BBB) since 1st August 1986. It is given a grade of A+ from the Better Business Bureau from the overall grading scale of A+ to F. 


Fraternal Benefits Society

The legal definition of a fraternal benefits society is an organization of people that usually have a common religious, ethnic, or vocational affiliation. This society might also provide Insurance to its members. This society has no shareholders, and they are a nonprofit organization where any profits gained from the life insurance business go to support their members. They get it in the form of benefits and support. 


Traditional Insurer vs. Fraternal benefits society

When you purchase burial insurance, you have an option to choose from an insurer that is a traditional life insurance company or the one that is fraternal. The fraternal benefits as a whole normally charge less for their Insurance. They also provide various valuable side benefits that traditional Insurance companies don’t offer.

If an Insurance company is operating successfully for the past 120 years, then this obviously means that they are doing something very right. If they have never done an assessment, this also means that they are proficient at maintaining a financial portfolio that is healthy. If Royal Neighbors has earned a strong financial rating with A.M. Best, then they have earned this rating for a reason.


Royal Neighbors member benefits

As Royal Neighbors are a fraternal benefit society, therefore, they offer valuable member benefits to all their policyholders. These benefits include:

  • Dental Discounts
  • Vision Discounts
  • Lab service discounts
  • Prescription drug discounts
  • Imaging discounts
  • Retail benefits
  • Hearing aids and services


Royal Neighbors burial insurance products

There are three Royal Neighbors burial insurance products that include simplified issue whole life, graded death benefit, and single premium whole life. Your health condition determines which product you can qualify for.

  • Simplified issue whole life

The Royal Neighbors simplified issue whole life insurance is available to individuals between the ages of 50 and 85. In order to qualify for the coverage, you are not required to take a medical exam. The underwriting process for the simplified issue whole life is quite liberal, whereas, their premiums are also some of the lowest that are available.

Royal Neighbors accept various health conditions, and they are considered as the most diabetic and diabetic complications friendly final expense company. Diabetics people can easily qualify for a level death benefit or immediate Insurance coverage.

The healthier applicants can easily qualify for this particular plan, as you have to answer no to the entire health questions on the application to be approved for coverage. If your prescription history and MIB report show no such indication that you are being treated for any conditions that are asked on the health questions, then things should go smoothly for you.

There is also an accelerated living benefits rider that is offered by Royal Neighbors of America at no extra cost. There is a simple lump-sum payment provided by this rider by using a part of the life insurance death benefit before the policyholder’s death.

As a policyholder, you can get up to 75% of your death benefit when the Royal Neighbors of America receives your acceleration request. The minimum amount that you can request is $5000, and you are only able to make one insurance term


  • Graded death benefit whole life

If you have some health issues and you are not able to qualify for the simplified issue burial insurance with no waiting period, then your best option is the graded death benefit. This plan has quite a limited payout for the first two years, but you will be receiving partial coverage right from the first day.

The graded death benefit has been designed for the applicants that are not in the best of their health. For the first two years, only partial coverage is offered, while if you die in the first year, then your beneficiary can receive 30% of the death benefit, 70% in the second year, and it will be 100% in the third year and beyond that. If your death happens to be accidental in the first two years, then Royal Neighbors will pay out the full death benefit amount except in Arkansas. 

To qualify for the graded death benefit plan, you have to simply say no to all the knockout health questions. If your answer to the graded health questions happens to be yes, then you can still be approved for this plan. Even if your prescription history is showing treatment for any of the graded health issues, then Royal Neighbors will still approve of you for this plan.


  • Single premium whole life

The Royal legacy single premium can be issued if you are between the ages of 45 and 80. A lump-sum payment of a minimum of $10,000 is required to purchase this plan. A guaranteed death benefit will be given to your beneficiaries when you pass away, which is higher than your premium.

You can use this single premium whole life insurance option if you like to pay the entire premium and leverage the current cash value to get a higher value in the future. Your cash value can grow, and you can either borrow from it or withdraw funds from your policy. It can also be helpful for you to pass your estate in a way that is more tax advantageous.


Royal Neighbors of America burial insurance underwriting

It is part of the underwriting process of Royal Neighbors of America to ask health questions in the application. They will be performing a prescription history check and also look at your Medical Information Bureau file. One of the best things about Royal Neighbors is that they have no build chart. They will not be asking about your height and weight ratio. If you are obese, they actually don’t care about it, so Royal Neighbors is a great fit for you if you are overweight, because every other burial insurance company has a build chart.

Your answer to the health questions is the most important part of your Insurance application process. There are two sections of the health-related questions i.e., the knockout section and the graded section. If you answer yes to any of the health-related questions in the knockout section, then this will mean that your application will not be approved.

Being declined in spite of no answers can only happen if Royal Neighbors has found something in your medical history that is contradicting to your answers, like the prescription history that might not be consistent with the answers to the health questions. This is where an independent Insurance advisor can be very helpful and valuable for you and will save you a lot of time and money in the process of looking for the perfect life insurance carrier and policy for you. 

  • Prescription history check

Your prescription history will be electronically analyzed by the Royal Neighbors in order to check for the prescription drugs that you are taking to treat any of the health issues that they ask. With the prescription history check, your answers will be validated to the health questions and completely reveal what medical conditions you have been treating in the past.

There are some prescription drugs that are considered a red flag and can because you to be declined for the Insurance coverage. If you are taking any type of prescription medication for any of the health issues that they care about, then they might respond negatively to your application. As an applicant,  you don’t have to worry if you are on any of the diabetes medications and have any diabetic complications. 


  • Medical Information Bureau (MIB) Report

MIB offers information about the results of your previous life insurance application. Your MIB reports are shared among the Insurance companies for review. If you have applied for life insurance in the last six months and you were denied coverage because of your medical condition, this particular information would be written in your MIB file, which will be accessible to Royal Neighbors if you decide to apply for them in the future.


Advantages of Royal Neighbors burial insurance

  • There are various life insurance companies that ask applicants about diabetes and diabetes-related complications in health questions. If you are diabetic, most of the Insurance companies will decline your application, or if these Insurance companies approve your application, they will charge a higher premium and also impose a waiting period. Royal Neighbors have got a unique feature that they are very diabetic friendly. 


  • People with weight-related issues and diabetes can still qualify for the Insurance coverage as Royal Neighbors does not have a built chart. If you are morbidly obese, they don’t care about it.


  • There are various other health conditions that are acceptable by Royal Neighbors that include high cholesterol, blood thinners, high blood pressure, all types of mental health issues, and Transient Ischemic Attack (TIA) or mini-stroke. 



There is no doubt that the Royal Neighbors of America offers the best value for your dollar in the industry. There is a chance that you might be able to find a lower rate, but easy underwriting, member benefits, and flexible payment options truly set the Royal Neighbors of America apart from any competition. Royal Neighbors has been in business for quite a long time and has very strong financials, and therefore, many people feel quite comfortable relying on Royal Neighbors.  Compare us to Colonial Penn or Globe life insurance.  We specialize in burial insurance.  The average cost for a funeral is approximately $9500.  We also have Mutual of Omaha burial insurance.

Hi, I’m Mitch Winstead with Advanced Mutual Group. I have been selling burial insurance for over 20 years. If you have any questions or would like a free quote, please call our office today toll-free 1-866-598-8170.  Our email address is Our website is  Our Facebook page is

cheapest burial insurance

Mitch Winstead Licensed Broker

About Advanced Mutual Group
About Advanced Mutual Group

We shop the life insurance market and do all the hard work for individuals across the nation to secure the best life insurance rates.

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