About Foresters
Foresters sets itself apart as a 140-year-old fraternal benefit society. When your clients purchase a product from Foresters, they become a member of this strong foundation where and offered many unique member benefits such as academic scholarships, financial counseling and discounted legal services. This is one of the great reasons agents contract with fraternal companies like Foresters.
Foresters Ratings
With over $43 billion in total funds under management and financial reserves.
- AM Best = A
Why Agents Contract with Foresters Financial
Foresters Financial provides competitive rates on fully underwritten products, but it excels with middle income families with non-medical underwriting up to $400,000. It also offers an electronic application that allows for speedy policy issuance.
Term Life with Foresters
- Strong Foundation Level Term:
- Guaranteed level term with non-medical underwriting
- Face amounts $20,000 – $400,000 for ages 18 – 55
- Face amounts $20,000 – $150,000 for ages 56+
- Charity Benefit Provision allows for additional 1% of death benefit to charity of choice
- Built-in riders such as Accelerated Death Benefit, Common Carrier Accident Benefit, and Family Health Benefit
- Your Term Level Term:
- Guaranteed level term with full medical underwriting
- Face amounts $100,000 for ages 18+
- Charity Benefit Provision allows for additional 1% of death benefit to charity of choice
- Built-in riders such as Accelerated Death Benefit, Common Carrier Accident Benefit, and Family Health Benefit
Foresters Financial allows you to provide more than $400,000 term insurance with non-medical underwriting, meaning no medical exams, fluids, APS, or PHI and a speed-to-issue option where point-of-sale decisions can be made in as little as 10 minutes.
Universal Life with Foresters
- SMART Universal Life
- Flexible product with medical and non-medical underwriting
- Level and increasing death benefits
- Non-medical face amounts $10,000 – $400,000 for ages 0 – 55
- Non-medical face amounts $25,000 – $150,000 for ages 56+
- Medical Band 1 face amounts $25,000 – $499,999 for ages 0 – 85
- Medical Band 2 face amounts $500,000 for all ages
- Guaranteed minimum interest rate
- Charity Benefit Provision allows for additional 1% of death benefit to charity of choice
- Built-in riders such as Accelerated Death Benefit, Common Carrier Accident Benefit, and Family Health Benefit
This flexible product offers lifetime protection, non-medical and medical underwriting with potential case value accumulation for clients who want more options.
Foresters Whole Life
- PlanRight Whole Life:
- Specific to final expense with a guaranteed premium
- Level, graded, and modified death benefits
- Face amounts $2,000 – $35,000 for ages 50 – 85
- No medical exam, PHI interview at point of sale
- Advantage Plus Whole Life:
- Lifetime death benefit to age 121
- Guaranteed cash values and premiums
- Premium options such as 20-pay and paid up at 100
- Medical and non-medical underwriting
- Non-medical face amounts $25,000 – $400,000 for ages 0 – 55
- Non-medical face amounts $25,000 – $150,000 for ages 56+
- Medical Band 1 face amounts $25,000 – $499,999 for ages 0 – 85
- Medical Band 2 face amounts $500,000 for all ages
- Partial surrender is available
Foresters offers your client the chance to convert their term products to a permanent life product with no evidence of insurability.
Foresters for Business Owners
Any of Foresters Financial life product options can be catered to accommodate any business client who may be needing a Key Man, Buy/Sell Agreement, or other Corporate Owned Life Insurance (COLI).
Foresters for Children
Foresters Universal and Whole Life products that provide cash accumulation along with multi-year pay such as 10, 15, 20, 30-year terms are available to assist with college funding.
Other Products from Foresters Financial
Member benefits unique to Foresters Financial:
- Grants and scholarships
- Emergency assistance program
- Community grants program
- Orphan scholarships
- Well-being benefits
- Family-oriented events
- Community volunteering
- Volunteer leadership training
Foresters Financial Agent Portal Login
To access the Agent portal, simply click the link below. If you are new to the site, click on New User to create a user id and password. Once you have this, you may login using the link provided here. The tabs at the top of the page will help guide you.