Preamble: As a fraternal life underwriter, I will maintain the utmost professional standards toward my members and at the same time maintain a position of trust and loyalty to my Society.

I believe it to be my responsibility:

• To conduct my fraternal business according to high standards of honesty and fairness and to render that service to my members which, in the same circumstances, I would apply to or demand for myself. I will develop my ability and improve my knowledge through regular continuing education.
• To provide competent and member-focused sales and service, based on my members’ concerns, needs and input. I will present accurately and completely the facts essential to my members’ decisions and always place their best interest and welfare above any personal considerations. I will submit complete and accurate applications for membership and insurance on only those persons whom I believe to have the proper requirements that conform with my Society’s underwriting rules.
• To engage in active and fair competition. I will refuse any person or persons any part of my commissions or earnings as an inducement to purchase an insurance or annuity product. I will follow applicable regulations as well as guidelines developed by my Society whenever a sale involves replacement of insurance.
• To only use advertising and sales materials approved by my Society and the applicable regulatory authorities.
• To respect my members’ confidences and hold in trust personal information.
• To fairly and expeditiously handle member complaints or disputes.
• To cooperate in a system of supervision and review that is designed to achieve compliance with this Code of Ethics and Principles of Ethical Conduct.

As a Fraternal Insurance Counselor, I pledge myself to uphold and maintain these principles and responsibilities.

Chapters can download the Powerpoint presentation about NAFIC to be used at Fraternal, Chapter or Society meetings.