Carrier Review
Royal Neighbors of America Final Expense Insurance Review
Level Death Benefit · Underwriting ages 45–85 · 4.5/5 SureChoice rating
Overall: 4.5 / 5
Score derived from our four-factor methodology — price competitiveness, no-waiting-period availability, financial strength, and complaint volume.
Pros
- + Member benefits
- + 100+ years in market
- + Operates in all 50 states
Considerations
- − Underwriting limited to ages 45–85.
- − Coverage caps vary; verify maximum face amount during application.
How Royal Neighbors of America's plan works
Royal Neighbors of America offers a level (day-one) death benefit, meaning the full coverage amount is payable from the day the policy is issued. This is the most affordable category but requires you to qualify based on age, gender, tobacco use, and a brief health questionnaire.
How much does Royal Neighbors of America cost?
Indicative monthly cost across our cheapest applicable carrier baseline, non-tobacco female. Real pricing for Royal Neighbors of America specifically depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
Application process
- Complete the SureChoice quote calculator.
- A licensed agent calls to verify details and confirm pricing.
- Carrier underwriting decision (typically same-day for level / graded plans).
- Sign and pay first premium. Coverage starts immediately.
Claims process
- Beneficiary contacts Royal Neighbors of America or our agent line.
- Submit certified death certificate.
- Carrier verifies coverage was in force.
- Payout typically within 7–14 days of receipt.
How does Royal Neighbors of America compare?
Compare Royal Neighbors of America with the rest
Our calculator returns indicative pricing from Royal Neighbors of America alongside every other carrier in our panel.
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