Annuity Atlas
Reviews

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.

Carrier strength

A
A.M. Best
Products5
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Products covered
5
A.M. Best
A
Categories covered
MYGA
01

5 Royal Neighbors of America annuities

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

ProductTypeSurrenderRatingIncome riderBonus
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
MYGA10yrAReview →
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
MYGA5yrAReview →
MYGA 9 YearMYGA9yrADetails →
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
MYGA3yrAReview →
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
MYGA10yrAReview →
02

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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