Just wanted to ask the agents that write Fraternals like KSKJ Life and Forrester's how do you explain what a Fraternal is? In my limited experience I have never run across an insured that knew that they could be asked to pay more money in addition to their regular premium. I know what the agents will say, oh it hasn't happened in 100 years or ever but you know what that is besides the point. The point is that they can. If it is a relatively new policy these are easy replacements.
In full disclosure I did sign up with KSKJ life a few months ago, have not submitted the 1st app with them.
Source of insurance-forums.net
In full disclosure I did sign up with KSKJ life a few months ago, have not submitted the 1st app with them.
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