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Royal Arcanum

Royal Arcanum is a Boston-based insurance company that was founded in 1877. It offers a simplified issue final expense plan that may be used to cover the costs associated with burials and funeral homes. The company requires that policyholders be between the ages of 20 and 85. Death benefit payouts range from $2,500 to $50,000, depending on the policyholder’s age. Royal Arcanum guarantees that premiums will never increase, nor will death benefits decrease so long as the policyholder pays his or her premiums over the life of the insurance. Royal Arcanum does not require a medical exam prior to obtaining burial insurance.

Why choose term life insurance?

Term life insurance is insurance coverage that is offered for a specific period or length of time. Burial insurance, otherwise known as final expense insurance, is an example of term life insurance as opposed to standard life insurance. Due to the fact that term life insurance covers a specific period of time, it is usually cheaper to purchase than traditional life insurance. Annual and monthly premiums are usually cheaper as well. This makes term life insurance an ideal choice for end-of-life expenses like funeral services, burial costs, and the like. Burial insurance typically pays a lump-sum cash amount to the beneficiary, as long as the policyholder has paid all of the required premiums and met any length-of-service terms prior to his or her death.

How do I obtain a term life insurance quote?

The best way to obtain a term life insurance quote is by visiting your preferred insurance company’s website and requesting the information. Most websites require you to sign up for an account and then click a “Get a Quote” button, or something similar. Few insurance companies list their prices in plain view on their websites, both because prices change and because they want you to sign up and provide them with your personal information.

When you register on an insurance company’s website, you’ll need to provide your legal name, your home address, your telephone number, and other essential information. Most insurance companies will ask you to answer a short health-related questionnaire. The answers to this questionnaire enable the insurance company to give you a quote, the prices for which can fluctuate if you have certain health conditions or family history. Your quote and subsequent insurance premiums will be calculated based on your age, your sex, your overall health, your location, and the duration and type of insurance that you are seeking.

How do I find the most affordable rate?

You should research all of the health insurance companies in your local area by obtaining a quote from each one. You can do this over the phone or on their websites in most cases. If you prefer to speak to an agent in person, call the company’s local office and make an appointment. Make sure that you will be meeting with a licensed insurance agent.

How to get started

If you are already a Royal Arcanum insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote and start the application process on the company’s website. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – Not rated
Moody’s – Not rated
Standard & Poor – Not rated

Company contact info

Royal Arcanum
61 Batterymarch St
Boston, MA 02110-3208
(888) 272-2686