In a fraternal insurer, who can receive benefits?

In a fraternal insurer, benefits are specifically designed to be available only to the members of that society. Fraternal insurers operate as nonprofit organizations that offer insurance products and support services to individuals who share a common bond, such as a social or religious affiliation. The primary objective of these organizations is to provide mutual aid and assistance to their members.

This characteristic of fraternal insurers distinguishes them from traditional insurance companies, where benefits could extend to anyone who pays for a policy. While families of members may receive certain benefits, it is ultimately the members themselves who are entitled to coverage under the insurer's policies. Therefore, the correct answer highlights that only individuals who are recognized as members of that fraternal society can receive benefits, which reinforces the organization's focus on camaraderie and mutual support among members.