Fraternal Legacy Rider

Leave a legacy for your family and a Catholic charity with the
Fraternal Legacy Rider!

The Fraternal Legacy Rider is a rider available on certain COF policies. (It is not a product itself). With the Fraternal Legacy Rider, your life insurance death benefits can be used to support the Catholic community. You can make an impact on your local church, diocese or other approved Catholic organization by gifting them with up to $250,000.1

When you purchase a qualifying COF life insurance policy with a death benefit of $50,000 or more, you have the opportunity to add this unique rider to your policy. It provides an additional 5% death benefit at no additional cost to you or your family! This extraordinary benefit is payable to the approved Catholic charity (or charities) of your choice.

For more information, contact your local agent or the Home Office today!

Members Who Have Made a Difference

More Stories


Students at one school will benefit thanks to a member’s passion for caring for underprivileged children.


Ricardo Coy Sr.’s Fraternal Legacy Rider donation to the Diocese of Gary will have an impact on the community he cared about.


How one member impacted his community through his life insurance policy.

Six people stand in a church and pose for a photo, one person who is dressed like a priest holds a check.


St. Prius X Parish is transformed after a member leaves an enduring legacy of compassion and accessibility.

1Eligible face for the Fraternal Legacy Rider starts at $50,000. Fraternal Legacy Rider benefit equal to 5.0% of the eligible policy face amount. Amount payable to Charitable Beneficiary shall not exceed $250,000. Catholic charity must meet criteria as a qualified Charitable Beneficiary: must be a Catholic/nonprofit organization whose principles are consistent with the teachings of the Roman Catholic Church. Must also be considered exempt from federal taxation under Section 501(c)(3) of the Internal Revenue Code and eligible under Section 170(c) of the Internal Revenue Code as an authorized recipient of charitable contributions. Not available in all states. Rider forms: ICC17-FLR-UL, FLR-UL17, ICC19-FLR-TRAD, FLR-TRAD-19, FLR-TRAD19-FL. With questions on rider forms no longer offered, contact Catholic Order of Foresters’ Home Office. Policy and Fraternal Legacy Rider must be in force at time of insured’s death for qualified charity to receive benefit. 

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