Low Twelve Clubs
Begun as death benefit clubs the Low Twelve Clubs are in reality an insurance society, and in a majority of States are under the rules and supervision of the State Insurance Commission. Benefits are not guaranteed, the amounts paid depending on the size of the club. A club is usually organized near a Lodge, of which each member is by virtue of the fact eligible for membership in the Club.
NOTE. The Grand Lodge of England once undertook to establish a Benefit [or insurance) society in connection with the Lodges, but in practice it was found that the form of organization required by an insurance society was incompatible Tooth the form of organization of a Lodge as required by the Ancient Landmarks. In the 1840's the Grand Lodge had much difficulty with Benefit Societies organized in conjunction with Lodges- they resulted in two classes of members in the same Lodge, and often only "Benefit Masons" could vote or hold office. see Grand Lodge Proceedings of England for 1844.
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