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Which of the following statements is true about fraternal insurers? They are legally organized as stock insurers. They specialize in writing life and health insurance.

Which of the following statements is true about fraternal insurers?
They are legally organized as stock insurers.
They specialize in writing life and health insurance.
They are taxed more heavily than other types of insurers because of discriminatory marketing practices.
They account for the majority of life insurance in force in the United States.
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