Which type of insurer provides help between members if claims payments are impaired?

Fraternal Benefits Societies are organizations that provide insurance and other benefits to their members, primarily defined by a common bond, such as a religion, nationality, or occupation. These societies operate not for profit but rather to assist their members, especially when claims payments may be impaired. This mutual assistance among members is a core principle of fraternal organizations, which means they offer support in times of need, aligning well with the question's context of providing help in the event of impaired claims payments.

Re-insurers, on the other hand, are companies that provide financial protection to insurance companies, allowing them to manage risk but do not directly assist members. Reciprocal insurers involve a group of subscribers who exchange insurance contracts with one another; while they can help in claims situations, their structure is different from that of fraternal societies. Likewise, mutual insurance companies are owned by policyholders and function to provide insurance coverage, but their primary focus is on risk pooling rather than the specific mutual assistance ethos found in fraternal benefit societies.

Thus, fraternal benefits societies are uniquely positioned as groups providing support directly to their members, making this the most appropriate answer for the scenario described.