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Uniform Fraternal Code

Publisher: National Association of Insurance Commissioners
Edition: NAIC Model Laws, Regulations, Guidelines and Other Resources, January 2002
Last checked: 2026-09-08
Status: NAIC model, © NAIC. Brief quotations under fair use

Edition and licensing notes

Publisher. National Association of Insurance Commissioners (NAIC)

Status. NAIC model, © NAIC. Brief quotations under fair use; not the enacted law of any state until adopted.

Read the official text Practice questions from this source

What this document is

Uniform Fraternal Code is a naic model law published by National Association of Insurance Commissioners (NAIC). It is one of the documents that insurance license exam questions are written from, including life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

Section 1
“Any incorporated society, order or supreme lodge, without capital stock, including one exempted under the provisions of Section 42B of this Article whether incorporated or not, conducted solely for the benefit of its members and their beneficiaries and not for profit, operated on a lodge system...”
Section 10
“A society may admit to benefit membership any person not less than fifteen (15) years of age, nearest birthday, who has furnished evidence of insurability acceptable to the society. Any such member who shall apply for additional benefits more than six (6) months after becoming a benefit member...”
Section 14B
“B. Such benefits may be provided on the lives of members or, upon application of a member, on the lives of the member’s family, including the member, the member’s spouse and minor children, in the same or separate certificates.”
Section 15
“A society may provide for benefits on the lives of children under the minimum age for adult membership but not greater than twenty-one (21) years of age at time of application therefor, upon the application of some adult person, as its laws or rules may provide, which benefits shall be in...”
Section 16
“A society may grant paid-up nonforfeiture benefits, cash surrender values, certificate loans and such other options as its laws may permit. As to certificates issued on and after the effective date of this Article, a society shall grant at least one paid-up nonforfeiture benefit, except in the case...”
Section 17
“The member shall have the right at all times to change the beneficiary or beneficiaries in accordance with the constitution, laws or rules of the society. Every society by its constitution, laws or rules may limit the scope of beneficiaries and shall provide that no beneficiary shall have or obtain...”
Section 18
“No money or other benefit, charity, relief or aid to be paid, provided or rendered by any society, shall be liable to attachment, garnishment or other process, or to be seized, taken, appropriated or applied by any legal or equitable process or operation of law to pay any debt or liability of a...”
Section 19
“Any changes, additions or amendments to the charter or articles of incorporation, constitution or laws duly made or enacted subsequent to the issuance of the certificate, shall bind the member and the beneficiaries, and shall govern and control the agreement in all respects the same as though such...”
Section 20A(10)
“(10) A provision that in case the age or sex of the member or of any other person is considered in determining the premium and it is found at any time before final settlement under the certificate that the age or sex has been misstated, and the discrepancy and premium involved have not been...”
Section 20A(12)
“(12) If the constitution or laws of the society provide for expulsion or suspension of a member, any member so expelled or suspended, except for nonpayment of a premium or within the contestable period for material misrepresentations in such member’s application for membership shall have the...”
Section 20A(3)
“(3) A provision that the member is entitled to a grace period of not less than a full month (or thirty (30) days at the option of the society) in which the payment of any premium after the first, may be made. During such grace period the certificate shall continue in full force, but in case the...”
Section 20A(4)
“(4) A provision that the member shall be entitled to have the certificate reinstated at any time within three (3) years from the due date of the premium in default, unless the certificate has been completely terminated through the application of a nonforfeiture benefit, cash surrender value or...”

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Questions about this source

Uniform Fraternal Code is a naic model law published by National Association of Insurance Commissioners (NAIC). Edition: NAIC Model Laws, Regulations, Guidelines and Other Resources, January 2002.

No. This page summarizes the document and links to the official version. Always rely on the text published by National Association of Insurance Commissioners (NAIC) for the current law.

Practice questions for Life & Health cite this document.

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