Which type of insurer provides life and health insurance specifically to members of a social or religious organization?

A fraternal insurer is a specific type of insurance company that offers life and health insurance products primarily to the members of social or religious organizations. These insurers operate on a nonprofit basis and are typically established by a group sharing a common bond, such as religion or fraternity. The purpose of fraternal insurers is to provide financial support and benefits to their members, promoting a sense of community and mutual assistance. The focus on members of shared organizations distinguishes fraternal insurers from mutual insurers, which operate with a broader clientele, and reciprocal insurers, which involve mutual exchanges among policyholders. Self-insurers, on the other hand, take on the risk themselves rather than transferring it to an insurance company, and thus do not fit the context of the question.