Advantage Plus

A participating whole life insurance product designed to meet the changing needs of your clients. By providing you the flexibility to custom build a plan that will help your clients provide the financial security to their loved ones.

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  • New Charity Benefit provision: Foresters will pay an additional 1% of the base face amount to a designated registered charitable organization2, so clients can support their favorite cause. Automatically included in the contract at no additional premium

  • Expand your markets - middle market families and individuals 30 – 50 years old.
  • Insure more clients – non-medical3 face amounts up to $400,000 for issue ages 16 to 55.
  • Medical underwriting as low as $100,000 for issue ages 16 - 70.

  • Coverage grows - Paid-up Additions Rider helps grow cash value and death benefit.
  • Easy to apply and quick Point of Sale (POS) Decisioning4 available on iPipeline iGO e-App5.

Learn how Advantage Plus can be used for College Funding


Final expense product offered in three types of coverage – one that can immediately pay a full death benefit (Level) and two that provide a limited benefit (Graded and Modified) in the first two years, and can provide a full death benefit thereafter.

  • Expand your markets - face amounts from $2,000 to $35,000.

  • Insure more clients – Nth day and Preferred draft date available.
  • Teleinterviews available in English and Spanish.

  • Decisioning right in the home – medical eligibility determined at point of sale.


A flexible universal life insurance product that offers lifetime protection, non-medical and medical underwriting and potential for cash value accumulation. Incorporate SMART UL in your client's retirement planning strategy.

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  • Expand your markets - target ages middle market families and individuals from 30- 50 years of age.
  • Easy to apply and quick Point of Sale (POS) Decisioning – available on iPipeline iGO e-App.

  • Insure more clients – Foresters is one of the few carriers that offer non-medical face amounts up to $400,000. We also offer medical underwriting starting at face amounts of $100,000 for issue ages 16-70.

  • Cash value growth – solid cash growth accumulation.
    • Great current interest rate 4.1%6
    • Guaranteed base interest rate 2.0%

Learn how SMART UL can help your clients with retirement planning.

Your Term

Where affordable protections meet charitable giving.

Your Term has been designed to provide you and your clients with more choice. It offers five different term periods, low minimum premium requirements, built-in riders for no additional premium and a wide selection of optional riders.

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Competitive premiums are only one of the reasons this product will be a game changer for how you grow your business. Your Term includes an innovative Charity Benefit Provision for no additional premium. Foresters will pay an extra 1% of the face amount to the owner's designated registered charity so clients can contribute to their favorite cause.

See the full product highlights


A simple low-cost way to help your clients protect their family from financial hardship in the event of an accidental death.

  • Expand your markets - Individuals looking for low cost accidental death term insurance with disability rider.
  • Easy to sell – non-medical up to $300,000.

  • Insure more clients – clients who may have been declined for traditional term or permanent whole life coverage.

  • Easy to apply – only a few health and lifestyle questions, no exams, no fluids, no APS, no routine Personal Health Interviews (PHIs).

Reasons to sell Foresters Financial

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Financial strength and stability you can count on

  • Almost $44 billion in total funds under management, total assets of $13.4 billion, liabilities of $11.3 billion, and a surplus of $2.1 billion7.
  • Above-average ALIRT rating of 53 for the US Branch higher than the industry average of 468.
  • The Independent Order of Foresters (IOF) has maintained an “A” (Excellent) Financial Strength Rating (FSR) from A.M. Best for 17 straight years9.
  • Review our 2016 Financial highlights.

An uncompromising focus on ease of doing business

  • Non-medical options up to $400,000 with simple underwriting, quick issue and quick pay (non-medical defined as Script Check and MIB check – no fluid collection or paramedical examinations).
  • Point of Sale (POS) decisioning in 10 minutes or less when using iPipeline's iGO e-App.
  • Go paperless with Foresters mobile quotes for quoting on the go.
  • Multiple initiatives designed to increase your options, reduce processing time and speed up payments with daily pay available.
  • Give our mobile calculator a test drive.

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Helping families and building communities for more than 140 years

  • We offer a unique package of complimentary member benefits10 including competitive scholarships, community grants, emergency assistance, access to accredited financial counselors and discounted legal services.
  • Foresters invested more than $27.5 million in member benefits and almost $5.4 million in 2015 alone towards community initiatives such as playground builds, beach cleanups, care packages and family fun days.
  • Official partner of Ronald McDonald House Charities® (RMHC®), KaBOOM! and The American Red Cross™.
  • Learn about our Emergency Assistance program.

Learn our difference. Grow your business.

We believe in working with communities to make our purpose a reality. That's why we invest time and money in ways we can work together to make a difference, including neighborhood programs, charities, and scholarships. Here are some of the ways we made a difference in 2015:

Join us in doing more - share our member benefits infographics.