pay more for policy then benefit

I have also contacted Woodmen concerning the "churning" of policies and placing new members in other lodges not close to their home. I have personally spoken with Danny Cummins personally and he down right lied to me at a Jurisdictional convention, My father had a $50, 000 life insurance policy and when he passed away the agent had forged his signature on a $5000 annuity. I was a former employee of Woodmen and the state manager gave us training on how to forge signatures so that they would not be recognized as forged and also classes on how to churn a policy and have the client keep the same policy for 2 years until it no longer showed on the books as churned. We have no records of the thousands of dollars that we have donated to the youth camp and there is now no youth camp. The problem is that the company requires mediation before a law suit can be filed and most attorneys don't want to invest this time and money.