Royal Neighbors

Pre-appointment States: PA, NM & CT. (Please note NM requires a fraternal line of authority on the license & CT requires a fraternal license – Please call for more details)

E&O Insurance: Not Required

Royal Neighbors does not write in NY, AL, LA, MASS, NH, HI, AK & PR.

What states require a license for override? FL, GA, KY, NM, PA, SC, UT & VA.

State availability -all states except NY and MT.

Can agents write business while waiting on the contracting to finalize? Yes, excluding pre-appointment states

Additional resources, such as applications, can be found by visiting the carrier's website and accessing its agent portal once you have completed the contracting process.

Your compensation depends on your commission level with HFN, the product you're selling, the age of your client, and sometimes the state you're selling it in. Contact your manager and the carrier if you have questions about your commission for a certain product.