Lar, "yet would never write with a higher-rated fraternal" How many frats use independent agents? "Policy holders of Baldwin United, Executive Life, and Kentucky Central were covered under the Guaranty Association, but it was anything but a cake walk for them. The existence of the Guaranty Association is not a magic wand that heals all wounds." But even though it wasn't a cake walk, they were covered. Try filing any insurance claim, none are really cakewalks. I did not say GAs were magic wands. I did say they were an extra layer of consumer protection. And no, larry having studied insurance, I would not sell fraternal policies because I don't like the one way structure not present in other types of companies. Yes, some of those fraternals are dam good. I just don't care for the idea they can change my aquired policy values if they wish. Other carriers may reduce their dividend or projected interest rate, but they can't go back and take money away or put a lien on it(outside of a policy loan, I would have to take out). We're fine Larry, but you didn't give a good example did you? Since you really didn't address how a GA is similar to am best? Still waiting for that explanation.