Fraternal benefit societies provide insurance to members who share:

• A. Only geographical location.
• B. A common ethnic, religious, or vocational affiliation.
• C. Any member of the public regardless of affiliation.
• D. Only corporate employees.

Answer: (B)

Fraternal benefit societies provide coverage to people who share a common bond, such as an ethnic, religious, or vocational affiliation. That shared bond is the basis for eligibility and underwriting, not simply where someone lives or their employer.

So, insurance is offered to members because they belong to a specific group or fraternal organization with that common link. It isn’t open to the public just because of geography, nor is it limited only to corporate employees. While some fraternal groups may involve specific communities or professions, the defining factor is the shared bond among members.