Learn how to speak confidently about SMART UL and how it may fit into your client’s retirement strategy.
Check out our product webinar on April 24.
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.
A.M. Best Company has affirmed an “A” (Excellent) rating for The Independent Order of Foresters for 23 consecutive years! And DBRS Morningstar has also confirmed our “A” Financial Strength Rating.
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 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.
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