Foresters Life Insurance
TRADIONAL
Foundation Term, Your Term, Smart UL & More
For added value Foresters automatically includes up to three riders with your base coverage, with no additional premium.
- Accelerated Death Benefit Rider (for Terminal lllness) may allow the owner to accelerate a portion of the death benefit and receive a payment if the insured is diagnosed with a terminal illness.
- Common Carrier Accidental Death Rider may provide an additional benefit if death is due to an accident or accidental injury that happens while riding as a fare-paying passenger on a common carrier such as plane, bus, or train.
- Family Health Benefit Rider may provide a payment to help cover some family health expenses (such as an ambulance ride) that occur as a result of certain natural disasters.
Product HighlightsEasy to Apply
- Non-medical1 rates up to $400,000 with no saliva swab or fluid collection
- Renewable and convertible without evidence of insurability
- Medically underwritten face amounts from $100,000 to $10,000,000+
- Charity Benefit provision
- Foresters will pay2 (up to $100,000) an additional 1% of the face amount to a designated registered charitable organization, so clients can support their favorite cause. Automatically included in the contract with no additional premium.
- More value at no additional premium
- Accelerated Death Benefit3
- Common Carrier Accidental Death4
- Family Health Benefit
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Disclosures
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.
1 This life insurance does not specifically cover funeral goods or services and may not cover the entire cost of your funeral at the time of your death. The beneficiary of the life insurance may use the proceeds for any purpose, unless otherwise directed.
2 National Funeral Directors Association, https://www.nfda.org/news/statistics
3 Life insurance contracts are underwritten and issued by The Independent Order of Foresters. a fraternal benefit society. Foresters Plan Right Whole Life and its 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 Foresters Plan Right Whole Life Insurance contract for your state for these terms and conditions. Foresters PlanRight and its riders are filed under the form numbers listed below. where "XX" represents either "US" or your state's postal abbreviation. as applicable. PlanRight: ICC19-WL-PRL-US01 or ICC19-WL-PRB-US01 or WL-PRL-XX0l-2019 or WL-PRBXX0l-2019, Accidental Death Rider: ICC19-WL-PR-ADR-US01 or WL-PR-ADR-XX0l-2019, Common Carrier Accidental Death Rider: ICC19-WL-PR-CCADR-US01 or WL-PR-CCADRXX0l-2019, Family Health Benefit Rider: WL-FHB-XX0l-2011, Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTIXX0l-2014 or TRAD-ABRTIXX0l-2016
4 Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, tax or estate advice. The information given here is merely a summary of our understanding of current laws and regulations. Prospective purchasers should consult their legal, tax or estate advisor.
5The payment, due to diagnosis of a terminal illness. may be less than the acceleration amount if there is an outstanding loan or unpaid premiums. Payment will decrease certificate values and benefits. Receipt of the accelerated death benefits may affect eligibility for public assistance programs and may be taxable.
6 Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters to be connected with an agent.
Not for use in Oregon.
412730 US (12/19)
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.
1 This life insurance does not specifically cover funeral goods or services and may not cover the entire cost of your funeral at the time of your death. The beneficiary of the life insurance may use the proceeds for any purpose, unless otherwise directed.
2 National Funeral Directors Association, https://www.nfda.org/news/statistics
3 Life insurance contracts are underwritten and issued by The Independent Order of Foresters. a fraternal benefit society. Foresters Plan Right Whole Life and its 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 Foresters Plan Right Whole Life Insurance contract for your state for these terms and conditions. Foresters PlanRight and its riders are filed under the form numbers listed below. where "XX" represents either "US" or your state's postal abbreviation. as applicable. PlanRight: ICC19-WL-PRL-US01 or ICC19-WL-PRB-US01 or WL-PRL-XX0l-2019 or WL-PRBXX0l-2019, Accidental Death Rider: ICC19-WL-PR-ADR-US01 or WL-PR-ADR-XX0l-2019, Common Carrier Accidental Death Rider: ICC19-WL-PR-CCADR-US01 or WL-PR-CCADRXX0l-2019, Family Health Benefit Rider: WL-FHB-XX0l-2011, Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTIXX0l-2014 or TRAD-ABRTIXX0l-2016
4 Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, tax or estate advice. The information given here is merely a summary of our understanding of current laws and regulations. Prospective purchasers should consult their legal, tax or estate advisor.
5The payment, due to diagnosis of a terminal illness. may be less than the acceleration amount if there is an outstanding loan or unpaid premiums. Payment will decrease certificate values and benefits. Receipt of the accelerated death benefits may affect eligibility for public assistance programs and may be taxable.
6 Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters to be connected with an agent.
Not for use in Oregon.
412730 US (12/19)