Prepared II offers affordable accidental death coverage. This is a transactional product for clients aged 18 to 70 and can provide up to $500,000 in coverage on an accept or decline decisioning basis4.
Prepared II is available in AL, AR, AZ, CT, FL, GA, IL, KY, MD, MI, MO, NC, OH, OK, TN, TX, WA, WI, and WV.
1 Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.
2 Dividends are not guaranteed. Past dividends are not an indicator of future dividend performance.
3 Insurability depends on answers to medical and other underwriting questions and underwriting searches and review.
4 Medical eligibility is accept or decline based on answers to the health and lifestyle questions on the application.
5 Withdrawals or loans will reduce the death benefit and cash values and may affect how long the insurance contract is in effect. Surrender charges may apply to withdrawals and surrendering does result in a loss of insurance coverage. Income and growth on accumulated cash values are generally taxable only upon withdrawal: IRC section 72. Ask your tax advisor for details on your specific situation.
6 Interest rate on cash value as of August 2019. Subject to change.
Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.
Foresters products and their riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the applicable Foresters Product Guide and the insurance contract for your state for these terms and conditions. Products underwritten by The Independent Order of Foresters.