About Us

corporate overview for royalty capital corporation Royalty Capital Corporation is an Illinois-based, financial services holding company that was founded in 2013 by both President and Chief Executive Officer, John Todd and Gregg Zahn, Chairman of the Board. Royalty Capital will grow through controlled, organic growth, and strategic acquisitions of life insurance companies and/or blocks of life and annuity business. To-date, Royalty Capital has over 1,100 shareholders.

Royalty Capital’s acquisition of Inspire Capital Corporation and its wholly-owned subsidiary, Capital Reserve Life Insurance Company was completed in 2017. Capital Reserve now renamed Royalty Capital Life Insurance Company was founded in 1922 and has a long history and great reputation in the pre-need insurance business. Licenses in Illinois, Kansas and Missouri will allow Royalty Capital Life to market its products to a population base of over 21 million people.

Royalty Capital’s business is to provide financing and management for our subsidiary, Royalty Capital Life.

In early 2019, Royalty Capital Life began marketing its’ first life insurance product, the Legacy Builder, in Illinois, Kansas and Missouri.

At Royalty Capital Life, a third-party administrator is used for accounting, reporting, insurance policy record keeping, and underwriting services.

Computershare was named transfer agent for Royalty Capital shareholders as of March 1, 2019.


There are two trends in the insurance industry that Royalty Capital is poised to capitalize on:
  • Many life insurance agents have become independent versus captive agents of the major insurance carriers. This trend has created several large, independent insurance agencies; as well demand for products from these legal reserve life companies.

  • With interest rates at historic lows for the last decade, the investment side of the business is now taking on more responsibility for driving profitability (Kohlberg, Kravis, Roberts Report dated April 25, 2018).
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