Expert review · 2026

Royal Neighbors of America review

Annuity Atlas covers 5 Royal Neighbors of America annuity products with live rates and contract specs. 4 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

Insurer claims-paying rating

Products tracked: 5
MYGA yield (lineup max): 5.80% · 10yr · Multi-Year Guaranteed Annuity 10-Year
Surrender range: 3–10 years

Rate as of Oct 1, 2026

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Products covered

A.M. Best

Categories covered

MYGA

5 Royal Neighbors of America annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Multi-Year Guaranteed Annuity 10-Year A long-horizon buyer who wants a decade of rate certainty at an above-median yield, with interest withdrawable throughout	MYGA	10yr	A	—	—	Review →
Multi-Year Guaranteed Annuity 5-Year A five-year buyer who wants a top-quartile guaranteed rate with no teaser, plus interest withdrawable at any time and a one-time emergency provision	MYGA	5yr	A	—	—	Review →
MYGA 9 Year	MYGA	9yr	A	—	—	Details →
Multi-Year Guaranteed Annuity 3-Year A short-horizon buyer who wants a guaranteed rate with genuinely flexible interest access and a no-cost emergency withdrawal provision	MYGA	3yr	A	—	—	Review →
Steady Choice II Buyers who want a guaranteed-floor, no-frills fixed annuity from a financially stable, A-rated carrier and who understand upfront that they're joining a fraternal membership rather than buying a conventional insurance policy	MYGA	10yr	A	—	—	Review →

Multi-Year Guaranteed Annuity 10-Year

A long-horizon buyer who wants a decade of rate certainty at an above-median yield, with interest withdrawable throughout

A.M. BEST

MYGA10-YR SURRENDER

Review →

Multi-Year Guaranteed Annuity 5-Year

A five-year buyer who wants a top-quartile guaranteed rate with no teaser, plus interest withdrawable at any time and a one-time emergency provision

A.M. BEST

MYGA5-YR SURRENDER

Review →

MYGA 9 Year

A.M. BEST

MYGA9-YR SURRENDER

Details →

Multi-Year Guaranteed Annuity 3-Year

A short-horizon buyer who wants a guaranteed rate with genuinely flexible interest access and a no-cost emergency withdrawal provision

A.M. BEST

MYGA3-YR SURRENDER

Review →

Steady Choice II

Buyers who want a guaranteed-floor, no-frills fixed annuity from a financially stable, A-rated carrier and who understand upfront that they're joining a fraternal membership rather than buying a conventional insurance policy

A.M. BEST

MYGA10-YR SURRENDER

Review →

Frequently asked questions

Is Royal Neighbors of America a good annuity company?

We have reviewed 4 Royal Neighbors of America products, and A.M. Best rates the carrier A for financial strength.

What is the surrender period for Royal Neighbors of America annuities?

Surrender periods on Royal Neighbors of America's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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