Since 1900, the RBO has provided life insurance to its members. Since its inception RBO has continued to expand to meet the growing needs of its members. These expansions include scholarships to help further the education of the next generation, Annuities to provide tax deferred savings for retirement, and fraternal benefits such as Free Newborn Insurance, the College Book Buy Program & Nursing Home Waivers to help our membership during times of change throughout their lifetime. In other words, the basic precept of the RBO is fraternalism, the actual practice of the teachings of “Brotherhood of Man”. This is the principle under which the RBO has lived and will continue to live.