Jd i'm just trying to understand what a fraternal can legally do as i got a big fat contract with foresters and i'm thinking of selling some. I listed about what Foresters says they can do. They say they can reduce benefits. If its only putting alone against the cash value no big deal as the death benefit and premium stay the same. My real question is when you sell kskj do you tell the client about the rare possibility of any assessment and what it means? With the type of clientele we deal with that could cause some problems.