Agents Lying on Apps

That's just like an agent going into a home selling A policy from a fraternal organization and not explaining the difference between fraternal organizations and life insurance companies
 
That's just like an agent going into a home selling A policy from a fraternal organization and not explaining the difference between fraternal organizations and life insurance companies

90% don't know the difference other than fraternal giving some extras and I'd bet 90% of those that do feel no need to mention it and don't---------your angle for all practical purposes is much ado over nothing so no reason to have a applicant not feel good about their decision----------its not a non-disclosure of anything that's likely to ever happen but just a scare tactic by agents looking for an easy replacement/ bucks. I'd be more concerned about the integrity of such agents than the soundness of a fraternal plan
 
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