OLDWICK, N.J.--(BUSINESS WIRE)--A.M. Best has released a report that focuses on the challenges being faced by the U.S. fraternal industry, a segment of not-for-profit organizations that offer life insurance and retirement products. According to the Best’s Special Report titled, “U.S. Fraternal Industry Facing Challenging Demographics,” A.M. Best has identified several significant challenges over the past decade that are expected to place negative ratings pressure on these fraternal benefit soci