The Fraternal Legacy Rider (FLR) is a rider that can be added to certain life insurance policies. When you purchase a COF life insurance policy with a death benefit of $50,000 or more, you can add the FLR to your policy. It provides an additional five percent death benefit to a Catholic charitable organization of your choice at no additional cost to you. The rider’s flexibility allows you to name multiple charitable beneficiaries. For more information, visit this page!