Royal Neighbors
A women-led fraternal benefit society founded in 1895 - member-owned, mission-driven, and headquartered in Rock Island, Illinois - carrying an A (Excellent) rating from AM Best across a deliberately simple annuity shelf built around guaranteed-rate accumulation.
Financial strength
A
AM Best
AM Best A (Excellent)
Royal Neighbors carries an A (Excellent) Financial Strength Rating from AM Best - the third-highest of thirteen categories - affirmed December 12, 2025.
Founded 1895
Founded in 1895 by nine pioneering women in Iowa; entered its 130th year in 2025 and is headquartered in Rock Island, Illinois.
Fraternal, member-owned
A fraternal benefit society and nonprofit insurance organization - member-owned and mission-driven, with no public holding company or private-equity sponsor behind its guarantees.
Insuring Lives, Supporting Women, Serving Communities
Community impact is central to the organization: the 2025 annual report reports $52.8 million in Social Good impact and 651,233 volunteer hours across 270+ chapters.
Multi-Year Guaranteed Annuity
Royal Neighbors's annuity lineup is a single Multi-Year Guaranteed Annuity - a declared-rate MYGA for guaranteed, tax-deferred accumulation over a selected term.
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MYGAs / Fixed Annuities
Selected product: Multi-year Guarantee Annuity
A fixed annuity group for buyers who want a declared guaranteed rate, principal protection, and tax-deferred growth.
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Explore Royal Neighbors products
Royal Neighbors’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Multi-Year Guaranteed Annuity
Fixed-rate contracts grouped separately from indexed annuities so guaranteed terms are compared on their own terms.
- Fixed-rate contracts grouped separately from indexed annuities
- Guaranteed term rates and surrender context live on each product page
Best for: Savers who want a declared fixed rate for a set period and a direct path to each product review.
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get Royal Neighbors's current rate report
Compare Royal Neighbors's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money. The current lineup centers on a Multi-Year Guaranteed Annuity, while SPIA and flexible-premium deferred annuity listings are being added.
Company overview
What Royal Neighbors is
Royal Neighbors of America, founded in 1895 by nine women and headquartered in Rock Island, Illinois, is a fraternal benefit society and nonprofit insurance organization that combines life insurance and annuity issuance with membership-based community programs.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Rather than a stock or mutual insurer, Royal Neighbors is member-owned and mission-driven. Its public value proposition - "Insuring Lives, Supporting Women, Serving Communities" - is that members buy financial protection while also joining a community centered on women and local chapters.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Royal Neighbors's annuity lineup centers on Multi-Year Guaranteed Annuity.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1895
Founded by nine women in Iowa; headquartered at 230 16th Street, Rock Island, Illinois.
Founded 1895 · AnnuityRatesHQ carrier research
Structure
Fraternal society
Fraternal benefit society and nonprofit insurance organization - member-owned, with no parent holding company.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Members
280,000+
More than 280,000 members per the 2025 annual report (public history context references membership approaching 300,000).
As of 2025-12-31 · AnnuityRatesHQ carrier research
Admitted assets
$1.33B
Total admitted assets of approximately $1.33 billion; certificateholders' surplus of approximately $159.9 million (2025 annual report).
As of 2025-12-31 · AnnuityRatesHQ carrier research
AM Best
A (Excellent)
A (Excellent) Financial Strength Rating from AM Best, affirmed December 12, 2025 - the third-highest of thirteen categories.
Affirmed 2025-12-12 · AnnuityRatesHQ carrier research; AM Best
History highlights
Royal Neighbors of America was founded in 1895 by nine pioneering women in Iowa, built on a neighbor-helping-neighbor philosophy.
Founded 1895 · AnnuityRatesHQ carrier research
Over more than 130 years it grew into a nationwide, member-based fraternal organization while modernizing its life insurance and annuity offerings and preserving a mission-based identity centered on women and communities.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
The organization entered its 130th year in 2025 with a base approaching 300,000 members; AM Best affirmed its A (Excellent) rating on December 12, 2025.
Affirmed 2025-12-12 · AnnuityRatesHQ carrier research; AM Best
A member-owned fraternal society, not a subsidiary
Royal Neighbors of America is the legal issuing organization and a fraternal benefit society. There is no public holding company, private-equity sponsor, or publicly traded parent - a materially different model from annuity issuers owned by conglomerates or private-capital platforms.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
The organization is member-owned and governed around member impact, community engagement, and financial stability rather than shareholder earnings. Annuity guarantees are obligations of Royal Neighbors of America as the issuing organization.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Member benefits and social programs are separate from contractual insurance guarantees: fraternal programs add value, but the annuity guarantees rest on the financial strength and claims-paying ability of Royal Neighbors, not on philanthropy or membership.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Financial strength
AM Best
CurrentA
Excellent financial-strength rating - the third-highest of thirteen AM Best categories - affirmed December 12, 2025. Strong for a niche fraternal insurer, though below the A+ and A++ levels held by several larger national carriers.
Affirmed 2025-12-12
AnnuityRatesHQ carrier research; AM Best · current rating check
What makes Royal Neighbors different
A women-led fraternal society since 1895
Founded by nine women and now well past its 130th year, Royal Neighbors sits at the intersection of fraternal benefit society, women-centered community organization, and annuity issuer - a durable, mission-driven identity rather than a product factory.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Member-owned, not investor-owned
With no public holding company or private-equity sponsor, Royal Neighbors is governed around member impact and financial stability. Its guarantees are the obligation of the issuing organization, distinct from its member programs.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Community impact built into the identity
The 2025 annual report reports $52.8 million in Social Good impact, 651,233 volunteer hours, and 270+ chapters - a measurable differentiator versus carriers that compete purely on product spread, ratings, or scale.
As of 2025-12-31 · AnnuityRatesHQ carrier research
A deliberately simple annuity shelf
Royal Neighbors leads with a single Multi-Year Guaranteed Annuity for guaranteed, tax-deferred accumulation - conservative and easy to explain, rather than a menu of indexed strategies, bonuses, or living-benefit riders. The declared rate and term use current data.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Royal Neighbors
Royal Neighbors of America, founded in 1895 by nine women and headquartered in Rock Island, Illinois, is a fraternal benefit society and nonprofit insurance organization entering its 130th year in 2025. It is member-owned and mission-driven, with no parent holding company behind its guarantees.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Royal Neighbors carries an A (Excellent) rating from AM Best, affirmed December 12, 2025, and offers a Multi-Year Guaranteed Annuity for members seeking conservative, guaranteed accumulation and a community-impact mission.
Affirmed 2025-12-12 · AnnuityRatesHQ carrier research; AM Best
Royal Neighbors keeps its annuity offering centered on a multi-year guaranteed annuity for fixed, tax-deferred accumulation.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Royal Neighbors's current rate report
Compare Royal Neighbors's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Royal Neighbors of America corporate site — 2026-07-07
- AnnuityRatesHQ carrier research - Royal Neighbors overview, founded 1895 (nine women), Rock Island IL, fraternal benefit society, AM Best A affirmed 2025-12-12 — Checked 2026-07-07
- Royal Neighbors 2025 annual report (group figures): ~$1.33B admitted assets, ~$159.9M surplus, 280,000+ members, $52.8M Social Good impact — As of 2025-12-31
- Live product catalog (Multi-Year Guaranteed Annuity, form A0039S), rates, terms: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026