I concur. At one time, I was a rep for Lutheran Brotherhood, an excellent and honorable company, as was AAL. I objected strenuously to the merger and wound up leaving the company when the merger went through and the predictable negative results began. This, I fear, is yet another result of that terrible decision as well as their decision to allow secular participation. I, too, would heartily support a new Fraternal organization, perhaps built on the same solid rock as the previous companies, LB and AAL. Meanwhile, there will be no further participation with Thrivent from me.