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Advantage Plus II Participating Whole Life

A different approach to life insurance

Participating Whole Life, offering guaranteed death benefit, premiums, and cash value, with the potential for dividends.2

PlanRight Whole Life

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.

BrightFuture Children’s whole life

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.

SMART Universal Life

The Protection they need – the flexibility they want

Premium payment flexibility and cash value accumulation5 potential with a competitive non-guaranteed interest rate.6

Level Term Life

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 $400,000 with no saliva swab or fluid collection.

Prepared II Accidental Death Term Insurance

Simplifie 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.

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 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.