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Toggle navigation About Us Bylaws Contact Us Leadership Royal Neighbors Foundation Products Whether you’re just starting a family or heading toward retirement, life is full of ups and downs and the unexpected. Read more about Life Insurance Life Insurance Annuities Membership Chapter Leaders Community Chapters Difference Maker Fund Member Relief Fund Member Savings Nation of Neighbors Scholarships Must Reads Newsroom Our Magazine Careers Call Today (800) 627-4762 Member Login Savings Login Agent Login About Us Bylaws Contact Us Leadership Royal Neighbors Foundation Products Life Insurance Annuities Whether you’re just starting a family or heading toward retirement, life is full of ups and downs and the unexpected. Read more about Life Insurance Membership Chapter Leaders Community Chapters Difference Maker Fund Member Relief Fund Member Savings Nation of Neighbors Scholarships Must Reads Newsroom Our Magazine Careers Media Kit -- Insuring Lives Supporting Women Serving Communities SM Celebrating 125 Years SM Mission Driven Empowering women and serving communities History Founded in 1895 and going strong Products Insurance and Annuities Savings Get a free simple will and many other discounts 1 Financial Strength A- Rating from AM Best 2 Important updates on our response to COVID-19 (coronavirus). Learn more. Important update for our New Jersey Members. Learn more. Making a Difference About Royal Neighbors Insuring Lives Royal Neighbors is a different kind of insurance organization. We're financially strong, stable, and have an A- Rating from AM Best 2 . We protect our members financially with easy to understand life insurance and annuity products. But, there’s so much more to Royal Neighbors. Supporting Women We were founded in 1895 by nine strong women, as a mission-driven, fraternal benefit society. Our founders realized that in families, both men and women needed insurance protection. So, Royal Neighbors was one of the first to offer life insurance to women. Today, we are a successful business dedicated to empowering women and local communities through volunteerism. Serving Communities Being socially-conscious isn’t new for Royal Neighbors. Through our chapter system, Royal Neighbors members have been volunteering and doing good things in their local communities for nearly 125 years. Through our programs, we help stimulate volunteerism in the neighborhoods where our members live, work, and play. We continue to honor our tradition of empowering women and girls. What does this mean for you? By choosing Royal Neighbors, you’re getting strong and stable insurance protection. You’re getting coverage that’s right for you through easy to understand products. And, you can feel good knowing you’re supporting a mission driven organization that empowers women and local communities. ROYAL NEIGHBORS LIFE INSURANCE PRODUCTS 1 Member savings are provided at the discretion of and are not available in all states. Member savings opportunities are available at no extra cost and administered by a third party. 2 Royal Neighbors is rated A- Excellent (4th highest out of 15) by the A.M. Best Company for overall financial strength and ability to meet ongoing obligations to certificateholders. As of December 2019, AM Best also revised Royal Neighbor’s outlooks to positive from stable. For the latest Best’s Credit Rating, access ambest.com . Need Help email us call us file a claim -- In the Media Media Kit Newsroom Our Magazine Careers Where We Live Culture Compensation & Benefits Job Openings Employee Login About Royal Neighbors About Us Bylaws Leadership Products Accessibility Member Resources Member Login Member Forms My Savings Login Member Savings Report Death of a Member Agent Agent Login Become an Agent Terms of Use • Privacy Policy • Social Media Policy You are leaving our site You are now leaving the ® site and are entering a site belonging to a third party. is not responsible for the content of this site. Please be aware that any third-party site may have policies regarding the privacy and security of your information which is different from the policies contained here. Select “Continue” to proceed to {url} CONTINUE CANCEL By selecting cancel you are acknowledging this disclosure but will not enter the third-party site. Form P00227; Rev.05-2017 MY INSURANCE CALCULATIONS The calculations contained within this calculator are specific to . 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. Needs 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 Resources 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. Select Years To Display 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 Phone: (866)845-6665 Email: insure@royalneighbors.org PRODUCTS I AM INTERESTED IN: - Select - TERM LIFE SIMPLIFIED ISSUE WHOLE LIFE WHOLE LIFE SINGLE PREMIUM WHOLE LIFE UNIVERSAL LIFE ANNUITIES HAVE A REPRESENTATIVE CONTACT ME Form #: P00018 ; Rev. 4-2020...