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Royah Sultan

Financial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc.
Insurance Sales Representative - Bankers Life and Casualty Company
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Royah SultanFinancial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc., Warwick, RI

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Meet Royah Sultan
Personal Business Philosophy
Engaging with clients to help organize and build on their financial goals as they plan and near retirement. Being a trusted partner and advocate through focusing on client needs and their priorities.
licensed in
FL, MA, RI
professional background
Joined Bankers Life in 2017Became a Financial Representative in 2020Began work in the Insurance Industry in 2017Education: Bachelor's degree in Business Management, Rhode Island College
designations received
Company Recognitions: 30 under 30Financial Representative Designations: Series 6.63.65
additional languages
Farsi

Royah Sultan, Bankers Life Agent and Bankers Life Securities Financial Representative in Warwick, RI

Closed - Opens at 8:00 AM Monday
Contact Me
Office Phone:
(401) 732-5213(401) 732-5213
royah.sultan@bankerslife.com
Branch Info
475 Kilvert St
Ste 210
Warwick, RI 02886
US
Hours
Day of the WeekHours
SaturdayClosed
SundayClosed
Monday8:00 AM - 7:00 PM
Tuesday8:00 AM - 7:00 PM
Wednesday8:00 AM - 7:00 PM
Thursday8:00 AM - 7:00 PM
Friday8:00 AM - 7:00 PM

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo

Awarded as a 2025 Top Women Financial Advisor at Bankers Life

Recognized for excellence in retirement and financial planning solutions that help clients reach their goals.
  • Retirement income
  • Healthcare expenses
  • Investment strategies
  • Legacy giving
*The Top Women Financial Advisors program is a Bankers Life internal incentive awarded to top performing women financial advisors based certain defined criteria.

Forget Me Not Days

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – I can help you compare Medicare Advantage plans to find the right coverage for you. * Medicare Advantage (Part C) is an all\-in\-one alternative to Original Medicare Parts A and B. * It offers similar coverage, and with the optional benefit of prescription drug coverage (Part D). * Medicare Advantage Plans include an annual maximum out of pocket limit, and some plans offer premiums as low as $0 per month.


Products & Services Offered in Warwick, RI

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
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  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
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  • Brokerage Services

    As a Financial Representative through Bankers Life Securities, Inc., I provide investment options including variable annuities, mutual funds, and equity and fixed income securities.
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  • Advisory Services

    As an Investment Advisor through Bankers Life Advisory Services, Inc., I offer fee-based investment management using third-party model portfolios.
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Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.
Reviews

Reviews for Royah Sultan

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(12 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I had the pleasure of working with Royah during my retirement planning process, and I couldn't be more satisfied with her customer service skills. She traveled to my place of business to review my financial options and demonstrated exceptional knowledge about my retirement options. I highly recommend her to anyone looking for help in these areas.
Displaying reviews 1 - 1 out of the 12 most recent

Customer Reviews for Warwick, RI

5
Rating 4.9full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(185 Reviews)
  • Cheryl R
    May 5, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Definitely a five-star review. Very very respectful took a lot of time to explain everything made sure I had a complete understanding of everything I signed and my policy. I would highly recommend Josh
    Definitely a five-star review. Very very respectful took a lot of time to explain everything made sure I had a complete understanding of everything I signed and my policy. I would highly recommend Josh
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  • Rich B
    May 1, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Michelle is professional, thorough, and extremely intelligent regarding my experience with her surrounding Medicare. She is an agent who actually cares about her clients which is refreshing in this day and age.
    Michelle is professional, thorough, and extremely intelligent regarding my experience with her surrounding Medicare. She is an agent who actually cares about her clients which is refreshing in this day and age.
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  • Rosalind C
    May 1, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    We really like Rene. He is helping us with our insurance needs. He’s very knowledgeable when it comes to insurance and inner workings.
    We really like Rene. He is helping us with our insurance needs. He’s very knowledgeable when it comes to insurance and inner workings.
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  • Denise F
    April 23, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    David was to answer my questions and concerns and provide me with an acceptable alternative.
    David was to answer my questions and concerns and provide me with an acceptable alternative.
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  • Elaine B
    April 23, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Lionel has been a big help with all my needs & has always been there whenever I needed him. I’ve even recommended him to friends & family.
    Lionel has been a big help with all my needs & has always been there whenever I needed him. I’ve even recommended him to friends & family.
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  • Richard B
    April 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Professional, friendly, VERY knowledgeable. Highly recommend meeting with her.
    Professional, friendly, VERY knowledgeable. Highly recommend meeting with her.
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  • Denise F
    April 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    David has managing my account now for over 4 years and has done an excellent job. He keeps me informed of any issues with with the markets and provides alternative investments to grow my portfolio. I would recommend him to all my friends.
    David has managing my account now for over 4 years and has done an excellent job. He keeps me informed of any issues with with the markets and provides alternative investments to grow my portfolio. I would recommend him to all my friends.
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  • Rene M.
    April 10, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service.
    Great customer service.
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  • Rich B
    April 9, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable and helpful in navigating thru Medicare process.
    Very knowledgeable and helpful in navigating thru Medicare process.
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  • Donna J
    April 8, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Rosa came into my life at a very confusing time in my life. She guided me through it with ease. She listened to my needs and put me in the best place. Rosa is vary knowledgeable and sympathetic. I would recommend her to all my friends and family. She came into my home a stranger and now I consider her a friend.
    Rosa came into my life at a very confusing time in my life. She guided me through it with ease. She listened to my needs and put me in the best place. Rosa is vary knowledgeable and sympathetic. I would recommend her to all my friends and family. She came into my home a stranger and now I consider her a friend.
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  • Jane S
    April 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Melanie provides excellent customer service and responds to any questions in a timely matter. While my friends struggled with the task of enrollment into Medicare, Melanie made the process easy and pain free. I have referred Melanie to my other family members. I’m very grateful to Melanie for all her help and knowledge.
    Melanie provides excellent customer service and responds to any questions in a timely matter. While my friends struggled with the task of enrollment into Medicare, Melanie made the process easy and pain free. I have referred Melanie to my other family members. I’m very grateful to Melanie for all her help and knowledge.
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  • Deborah T
    April 3, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent
    Excellent
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  • Peggy S
    April 3, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Sydney was great she explained everything to me . She was very helpful and respectful,
    Sydney was great she explained everything to me . She was very helpful and respectful,
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  • clifford c
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Melanie is very thorough. Takes time to explain things that are very important. I would recommend her for all your financial needs.
    Melanie is very thorough. Takes time to explain things that are very important. I would recommend her for all your financial needs.
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  • Doreen S
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I was referred to Melanie by my sister. I was turning 65 just going into Medicare, I was frantic and scared not knowing what to do. Melanie completely helped me with my Medicare and choosing the right plan for me, I couldn't of done it without her help. I would refer her to anyone in need. She is very patient and takes her time going over things to help make sure I understand. Very satisfied!!
    I was referred to Melanie by my sister. I was turning 65 just going into Medicare, I was frantic and scared not knowing what to do. Melanie completely helped me with my Medicare and choosing the right plan for me, I couldn't of done it without her help. I would refer her to anyone in need. She is very patient and takes her time going over things to help make sure I understand. Very satisfied!!
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  • Alda M
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Melanie provided excellent customer service. She is very knowledgeable and was able to answer my questions and give good explanations. I am very satisfied and will recommend her to my family and friends.
    Melanie provided excellent customer service. She is very knowledgeable and was able to answer my questions and give good explanations. I am very satisfied and will recommend her to my family and friends.
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  • Janet B
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Melanie is very professional and very informative. I wasn't sure what to do when I retired and said explained to me my options. I would recommend her to anyone that nee help.
    Melanie is very professional and very informative. I wasn't sure what to do when I retired and said explained to me my options. I would recommend her to anyone that nee help.
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  • Darleen M
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    It is a pleasure working with Joshua. He is professional in his appearance and prompt in arriving for appointments which is appreciated by customers. Every time I have met with Joshua he has been able to answer questions that I have had about my insurance plans. If you are looking for a professional, knowledgeable, and efficient agent Joshua is your man!
    It is a pleasure working with Joshua. He is professional in his appearance and prompt in arriving for appointments which is appreciated by customers. Every time I have met with Joshua he has been able to answer questions that I have had about my insurance plans. If you are looking for a professional, knowledgeable, and efficient agent Joshua is your man!
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  • Vickie R
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Jonathan is a very knows and listens to your needs and conerns
    Jonathan is a very knows and listens to your needs and conerns
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  • william r
    April 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Jonathan is super and listens to your needs and concerns
    Jonathan is super and listens to your needs and concerns
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Displaying reviews 1 - 4 out of the 20 most recent

FAQs

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Navigating Financial Planning with a Reluctant Partner: 5 Tips for Success
When it comes to managing your money, we all know how crucial it is to plan and make decisions together. But let’s face it: Discussing finances with a partner isn’t always easy, especially if you don’t see eye-to-eye on the topic or if one of you is hesitant to have those tough conversations. Money can quickly become a point of tension, but ignoring it could lead to bigger problems down the road.
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Understanding “Cash on the Sidelines” and the Shifting Economic Landscape
As we navigate through changing economic times, it’s essential to understand some key financial concepts that impact both individual and global economic conditions. You may have heard of the concept, “Cash on the Sidelines,” which often comes up in discussions about stock markets and worries over high risk investments and keeping money in either cash or lower risk, lower-yield investments.
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How to Navigate Social Security Survivor Benefits for a Spouse
"When a loved one passes away, you may need to take some time to process your emotions and seek solace. But when the loved one is your spouse, you may have to both grieve and address a handful of immediate issues, such as figuring out funeral arrangements and costs and sorting out estate, probate, and legal expenses.",Are 60 years old or older; or if you have a disability and are 50 years old or older,Were married for at least 9 months before your spouse passed,Didn’t remarry before age 60 (or age 50 if you have a disability),More than 75% at 61,More than 80% at 63,More than 90% at 65,The deceased’s death certificate,Your and the deceased’s Social Security number,Your birth certificate and marriage certificate (if applicable),"A term or whole life insurance policy can provide a lump sum upon a spouse’s death. This can help replace lost income, cover living expenses, and provide financial stability during an emotionally difficult time.",Annuities are contracts that guarantee regular income payments for life or a set period. Some annuities offer survivor benefits that provide ongoing income to spouses.,A well-funded 401(k) or IRA can supplement survivor benefits and help maintain financial stability.,"Stocks, bonds, and mutual funds can generate dividends and capital gains to supplement Social Security benefits.",Owning rental properties can generate a steady monthly passive income stream that doesn’t rely on employment or Social Security benefits.
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Protecting Your Nest Egg: Understanding Sequence Risk in Retirement
As you prepare for retirement, one of the most important considerations is how to ensure that your nest egg lasts throughout your lifetime and you don’t outlive your money. One risk that many may overlook is sequence risk, which occurs when you face poor market returns early in retirement while you’re drawing down your savings. This can cause long-term damage to your portfolio, leaving you vulnerable later on in life.
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Planning for Market Uncertainty: 5 Things to Consider If the Market Is Shaky
If you’re retired or nearing retirement, market uncertainty can feel unnerving. After you’ve spent decades working, saving, and planning, it’s natural to be concerned when the market dips or prices start rising.

Let's Talk About Your Plans for Long-Term Care!

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As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

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