When it comes to investments, Foresters Financial™ includes environmental, social and governance (ESG) factors in our overall decision-making to better understand risk-adjusted returns. We recognize climate change as a significant human, business and financial risk. As of June 2022, $287 million of our assets were held in green and sustainable bonds.¹
We partner with investment managers who share our approach and incorporate ESG into their investment processes. Through these partnerships, we’re working to evolve our investments in line with industry best practices in the ESG field.
1 Green or sustainable bonds held in Foresters asset portfolios have been represented by their respective issuers in public securities filings to be in alignment with green or sustainable principles established by the International Capital Market Association. For more information, please visit https://www.icmagroup.org/sustainable-finance. Amounts based on consolidated financial results prepared in Canadian dollars as of January 31, 2023 and converted into USD using the Bank of Canada annual average exchange rate of 1.3350.
A.M. Best Company has affirmed an “A” (Excellent)¹ rating for The Independent Order of Foresters for 23 consecutive years! And DBRS Morningstar has also confirmed our “A” Financial Strength Rating.²
1 The A.M. Best ratings assigned on August 17, 2023, reflect overall strength and claims-paying ability of The Independent Order of Foresters. An “A” (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. In assigning the ratings, A.M. Best stated that the rating outlook is “stable”, which means it is unlikely to change in the near future. See ambest.com for our latest rating.
2 DBRS Morningstar Confirms Ratings on The Independent Order of Foresters at 'A,' Stable Trends – News release, July 10, 2023, https://www.dbrsmorningstar.com/research/416964
2022 marked another year of solid dividend performance from Foresters Financial™, with a total dividend payout of $23.3 million USD. Share the good news! Show your prospects Foresters solid product dividend history.¹
¹ Does not apply to certificates where Foresters does not expect to pay dividends. Dividends are not guaranteed. Past dividends are not an indicator of future dividend performance.
Many middle-class families struggle with navigating debt and building wealth for a comfortable retirement. But does this struggle need to be a reality?
With Foresters, you have everything you need to stand out in today’s crowded marketplace —state-of-the-art products, tailor-made technology, expert sales support and an opportunity to make a real difference in people’s lives.
A different approach to life insurance
Participating Whole Life, offering guaranteed death benefit amount, premiums, and cash value, with the potential for dividends.2
Level, guaranteed premium whole life insurance
Three plan types available based on underwriting qualifications, Preferred, Standard, and Basic.
Face amounts range from $5,000-$35,000 depending on plan option.
A guaranteed death benefit for today while protecting against a child’s future uninsurability
Simplified issue3 with accept/decline decisioning,4 targeted for children under the age of 18. Up to six applicants on one application.
The Protection they need – the flexibility they want
Premium payment flexibility and cash value accumulation5 potential with a competitive non-guaranteed interest rate.6
Designed to provide affordable life insurance protection
10-, 15-, 20-, 25-, and 30-year guaranteed level term insurance with issue ages from 18 to 80.
Non-medical³ rates up to $500,000 with no saliva swab or fluid collection.
Simplified Issue Term Product
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.
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 December 2022. Subject to change.
422383 US 08/23
Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available.
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.