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I always told people when I'm recommending a fraternal, whether it is RNA, Foresters or KSKJ, what a fraternal is and the difference.
I have led with a fraternal company for 9 years. I've had to learn how to fight the naysayers.
And you are wrong yet again. That language is not in any fraternal contract that they can raise rates on current policy holders. In fact, it's guaranteed that they won't on whole life.
You may not be new but you don't know what you are talking about.
And capitalizi8ng "CAN" doesn't change the facts.
And you don't bring it up because you think the OP is new. You bring it up to trash fraternals. And falsely at that.
No one mentioned replacing AARP with a fraternal anyway.
And your accusations are illegal if you name a particular company. Wanna go for that one?
No fraternal can guarantee that the policy you originally bought will be exactly the same upon your death. It's not a policy, it's a certificate. You know the difference.
So my point is, you can't point the finger at AARP, and not understand that you may be selling a similar product, not exactly the same, just similar.
I also read in another thread that fraternala are required to let their members know that by purchasing a certificate (instead of a policy) they are giving up certain consumer protections, I believe in the state of FL. I can't confirm this, only that I've read it on this site.
So... If you're using this tactic to replace (as outlined in this thread), you should be aware of the pitfalls when using a fraternal. That's really it
Very basic situation.
Who is your upline.
If they aren't teaching you these things, providing fixed cost direct mail leads and giving to contracts you need to look elsewhere