Foresters Financial

Foresters Financial

Get Appointed As a Sales Agent to Offer Foresters Financial Insurance Products to Your Clients

Foresters is a financially strong company with an “A” (Excellent) A.M. Best Rating for 16 consecutive years for the Independent Order of Foresters.

For more than the past 140 years, Foresters has developed a rich heritage, and they are focused on the future by enriching lives and building strong communities.

Foresters Insurance is available in every state.

Medicare Supplement Products

Medicare Advantage Products

Life Insurance Products

Foresters offers the following life insurance types:

Term Life – ”Your Term”

  • 10, 15, 20, 25, or 30 year terms  
  • Locked in premiums
  • Add on-s: Common Carrier Accidental Death Rider, Family Health Benefit Rider, and Accelerated Death Benefit Rider

Whole Life – Advantage Plus

  • Death benefit protection
  • Guaranteed cash value
  • Guaranteed premiums
  • Premium payment options
  • Potential for dividends

Whole Life – Interest Sensitive (ISWL)

  • Lifetime of protection
  • Fixed premiums
  • Accumulation value
  • Access to accumulation value
  • Interest rate crediting
  • Faster accumulation value
  • Option to suspend premiums
  • Income Tax-Free Death Benefit
  • Income Tax-Deferred Growth

SMART Universal Life

  • Flexibility to adjust coverage
  • No Lapse Guarantee for first 10 years
  • Charity Benefit Provision
  • Family Health Benefit Rider
  • Common Carrier Accidental Rider
  • Accelerated Death Benefit Rider

ISP CHOICE Variable Life

  • Fixed Premium
  • Fixed Premium payment period
  • Guaranteed Insurance amount
  • Variable Insurance amount
  • Cash Value
  • Income Tax-Free Death Benefits
  • Cash Deferred Tax-Value Growth
  • Tax-Free Transfers
  • ISP Choice 15
  • ISP Choice- Whole Life (WL)

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Final Expense Products

Foresters Final Expense plan, PlanRight Whole Life Insurance, has the following benefits:

  • Provides lifetime life insurance coverage (up to age 121)  
  • Guaranteed level premiums
  • Your beneficiary will generally not owe any income taxes on the benefit
  • No medical testing or exams

PlanRight also has three certificate types, each offering different levels of coverage:

  • PlanRight Level
  • PlanRight Graded
  • PlanRight Modified

Each of these three certificates includes a Common Carrier Accidental Death Rider.

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Annuity Products

Cancer Insurance Products

Long-Term Care Insurance Products

Short-Term Care Insurance Products

Hospital Indemnity Insurance Products

Dental, Vision, & Hearing Insurance Products

Prescription Drug Plan Insurance Products

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