New Producer Webinar (Foresters)

New Producer Webinar
407325 US (04/16) For Producer Use Only
Disclaimers
This training module is not written for, and it cannot be used for, the purpose of avoiding
penalties that may be imposed on a taxpayer. Neither ForestersTM nor its Representatives
engage in rendering legal, business, estate tax, accounting or tax advice. The information in
this training module is intended as a general overview. Please advise your clients to consult
their individual tax or legal advisors regarding their specific situation. This report is not
intended to provide advice regarding the sale or purchase of specific investments, financial
or insurance products. Treasury Department Circular 230.
All information is intended to be general in nature. All Foresters fraternal requirements need
to be considered including the requirement that proceeds must benefit the Foresters
member's dependants.
The information contained in this presentation is for information purposes only. There are
other tools available to support your learning needs. You must ensure that you correctly
represent, to a customer or prospect, the product features based on the actual wording of
the applicable certificate and riders for your state.
Foresters FinancialTM is the trade name and a trademark of The Independent Order of
Foresters.
Contents
Foresters Difference
Foresters Products
Support
Rewards
Foresters
Difference
Foresters
Foresters Financial is a leading international life insurance provider

that is member-based, family-focused and community-spirited
For 140 years we have been true to our purpose to support the wellbeing of families through quality life insurance, unique member
benefits and inspiring community activities
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit
society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries..
Foresters Financial Strength

Foresters financial strength, as measured by A. M. Best Company, is
rated A (Excellent) and has been for 15 consecutive years, most
recently updated July 10th, 2015.
An A (Excellent) rating is assigned to companies that have a strong
ability to meet their ongoing obligations to policyholders and have, on
balance, excellent balance sheet strength, operating performance and
business profile when compared to the standards established by A.M.
Best Company. In assigning our rating, A.M. Best stated that Foresters
rating outlook is stable, which means it is unlikely to change in the
near future, assuming our financial strength is maintained and our
operations grow. A.M. Best assigns ratings from A++ to F, A++ and A+
being superior ratings and A and A- being excellent ratings.
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills
Road, Toronto, Canada M3C 1T9) and its subsidiaries.
Foresters Financial Strength

Strong financial position
Assets of $13.6 billion Canadian
Surplus of $2.2 billion Canadian
Financial results as at December 31,2015.
Foresters Difference
How are Fraternal Benefit Societies different?
Our customers are our members and apply
for membership in the application for
insurance
Share a common bond

Non-Denominational
Fraternal Concept: people helping people
Not subject to federal income tax: Foresters
instead invests its tax savings for the benefit of
our members and their communities
Video
KaBOOM!
Partnership with KaBOOM!

Members, employees and producers
volunteer along with community partners to
build a playground in just one day
Video
2016 Playground Builds
Minneapolis, MN
Tampa, FL
Orange Co, CA
Portland, OR
Dallas, TX
Atlanta, GA
San Diego, CA
Cleveland/Akron, OH
Philadelphia, PA
Ronald McDonald House Charities
Partners for four years
Foresters has organized activities at more

than 70 local Ronald McDonald Houses
Activities include sponsoring Cookies With
Care and family activity nights
Ronald McDonald House is a registered trademark of McDonalds

Corporation or its affiliates and is used with permission.
Foresters Prepared with Care

Foresters holds a fundamental belief in helping families plan ahead and prepare for
the unexpected, while making a difference along the way.
Being prepared for lifes unexpected events is important to well-being - emergency
preparedness information and supplies are one way that families and communities
can become better prepared and more resilient in the face of emergencies and
disasters.
Foresters cares about the well-being of families and the communities where they
live. Weve partnered with the American Red Cross
TM
to deliver Foresters Prepared
with Care, a program that will provide valuable preparedness training and
emergency kits to families in communities across America.
Emergency Assistance Grants

2015 Emergency
Assistance Funding
Short-term, temporary financial

assistance
For Members affected by significant
Storms and Flooding

in Texas & Oklahoma
May
Wildfires in
Washington state
July
Wildfires in California
August
One time, per disaster, payment
Flooding in South
Carolina
October
800-828-1540
personal hardship, disaster or large-scale

emergency
8:00 am 4:00 pm Eastern, M-F

myforesters@foresters.com
Member Benefits
Benefits available to all eligible insureds, as Foresters members:
Competitive Scholarships
Terminal Illness Loan
Orphan Benefits
Everyday Money
Legal Link
Community Granting Program
ForestersTM member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or
cancelled without notice. Third parties administer Legal Link, Everyday Money and Foresters Competitive Scholarships.
Competitive Scholarships
Up to 250 tuition scholarships
offered annually
Each scholarship worth up to $8,000
ForestersTM member benefits are non-contractual, subject to eligibility

requirements and limitations and may be changed or cancelled without
notice. Third parties administer Legal Link, Everyday Money and Foresters
Competitive Scholarships.
Terminal Illness Loan

Terminal illness definition: Reasonable certainty of death within one year
as defined by a legally qualified physician who can provide medical proof
satisfactory to Foresters
Borrow up to 75% of the net face amount of the Members Foresters life
insurance certificate to a maximum of $250,000.
No interest, set-up fees or rider charges
Not available in NY or IL. Not available on Prepared Accidental Death
Certificates
Orphan Benefit
$900 per month per child paid to the legal guardian of the orphaned children
of a Foresters Member, up to age 18
Both parents alive at time of application
Both parents pass away
Benefit payment starts approximately one month after death benefit
proceeds paid
Paid in addition to any death benefits
Orphan Scholarship
Death of one parent
- $1,500/year
Death of a single parent - $3,000/year

Death of both parents - $6,000/year
Renewable for up to 4 years
If the child becomes orphaned at age 18 or younger, the program must
begin in the calendar year in which the childs high school education is
completed.
ForestersTM member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or cancelled without notice.
Third parties administer Legal Link, Everyday Money and Foresters Competitive Scholarships.
Everyday Money
Toll-free and confidential phonebased financial helpline
Accredited financial counselors
Answer questions about everyday
money management
1-800-444-3043
7:00 am 9:00 pm EST M-F
8:00 am 12:00 pm EST Weekends
1ForestersTM
member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or
Legal Link
Free legal services including a free simple will

Discounted legal services including simple
divorce, name change, incorporation and
additional legal items
Access to Legal Club of America discounts

1-800-444-3043
8:00 am 8:00 pm EST M-F
In the US, Foresters Legal Link benefit is provided by Legal Club of America, which is a registered trade name of Saturday Holdings
Inc. The terms and conditions of Legal Link are those of Legal Club of Americas Family Legal Plan.
Community Granting Program

Community Involvement (CI) grants
CI grants provide members with the funds to independently
organize volunteer activities that contribute to family well-being
such as cleaning up a park, or assembling hygiene kits for the
homeless or gift packs for disadvantaged children.
Member Involvement (MI) grants
MI grants provide members with the funds to create fun family
activities such as a day at an amusement park or sporting event,
or an evening at the movies.
Member Benefits For Helping Generations
Member Benefit
Orphan Benefits
Orphan
Scholarship
Total Benefits
Benefit Amount
Up to $486,000
Up to $72,000
Suppose two parents with three small children

(turning ages 1, 3,and 5) pass away
Foresters could pay death benefits
Foresters could also pay the Orphan Benefit to
Up to $558,000
the legal guardian of the orphaned children
Member Benefit Resources
Foresters Product Portfolio
Product Portfolio
Whole Life Products
PlanRight
Advantage Plus
Your Legacy
Universal Life
Smart UL
Term Products
Lifefirst Level Term
Prepared Accidental Death Term

PlanRight
PlanRight
A whole life product designed to provide for death benefits as a way

to help people pay for the cost of their final expenses
PlanRight Whole Life
U.S. population age 65 and over is expected to double in the next 25 years
By 2030 almost one out of five Americans (some 72 million people) will be 65
years or older
According to the National Funeral Directors Association, the average cost of a
funeral in 2012 was $8,343
Sources:
http://www.cdc.gov/mmwr/preview/mmwrhtml/mm5206a2.htm
Source: National Funeral Directors Association, 2013 Member General Price List Study
Quick Application Process

Quick Underwriting
Quick Issue
no medical exam, no blood profiles, no HOS
Producers will know medical eligibility prior to leaving clients home
- Quick Pay in your pocket
Face amounts -
from $2,000 to $35,000
PlanRight Whole Life Benefits in 1st, 2nd and Later Years

Level Death Benefit
(Based on 100% of the Face Amount*)

Graded Death Benefit
(Based
Year
Year
Year
on
1:
2:
3:
greater of:
30% of face amount; or ROP + 4.5% interest
70% of face amount; or ROP + 4.5% interest
100%*)
Modified Death Benefit

(Based on ROP+10% in years 1 and 2,
100% of the face amount from year
3+*)
Issue Age (ALB)
Face Amounts
50 - 80 yrs
$2,000 - $35,000
81 - 85 yrs
$2,000 - $15,000
Issue Age (ALB)
Face Amounts
50 - 80 yrs
$2,000 - $20,000
81 - 85 yrs
$2,000 - $10,000
Issue Age (ALB)
Face Amounts
50 - 80 yrs
$2,000 - $15,000
81 - 85 yrs
Not Available
*Applicable amount plus unearned premium minus

certificate debt such as loans.
Subject to state availability and variations.

Accidental Death Provision
Availability
PlanRight Graded & Modified during the

first two years the certificate is in effect
Benefit for Accidental Death
Face amount in effect on date of death

of insured, plus
Unearned Premiums, minus
Debt
Accidental Death Definition
Death caused by an accidental bodily

injury, directly and independently from all
other causes
Accidental Death Period
Death occurs within 180 days of

accidental bodily injury
Subject to state availability and variations

Premiums
Age Last Birthday
Rates for Males/Females and Non-Tobacco/Tobacco
No Banding
Commissionable Certificate Fee: $36
Annual, Semi-annual, Quarterly and Monthly modes

One application for all 3 plans

Riders
Built-In Protection
Common Carrier Accidental

Death Benefit Rider
Extended Protection
Accidental Death Rider (Level Plan Only)

Real-Time Underwriting
Supported by Apptical
Fast, reliable service
Focus on the sale not the underwriting process

Know the clients medical eligibility before leaving the clients home

Process
Complete the application
Call Apptical for Personal Health Interview (PHI)
MIB and Prescription Checks will be performed on all applications
Medical eligibility based on application and telephone interview results
Submit the application

Process
In order for you to continue with the Point-of-Sale process for

PlanRight, all applications must be submitted to Foresters within 10
business days after a call has been placed with Apptical, regardless of
the outcome.

APPTICAL
1-866-844-9276
Monday-Friday: 8:30 am to 2 am ET
Saturday-Sunday: 10 am to 10 pm ET
Sales Support
1-866-466-7166 (option 1)
Monday-Friday: 8:30 am to 7:00 pm ET
Saturday-Sunday: Closed
Accelerated Death Benefit Rider (ABR) Description

Value-added Accelerated Death Benefit Rider, is included, for no additional
premium.
If the insured is diagnosed with an eligible illness, the rider provides the
opportunity for the owner to accelerate a portion of the eligible death benefit
(face amount plus paid-up additional insurance, if any) and receive an

accelerated benefit payment.
Depending on eligibility and state variations, the rider can be issued with one
of more of the following eligible illnesses:

Chronic Illness
Critical Illness
Terminal Illness
Note: For all chronic and critical illness claims, the payment will be less than the acceleration amount which
is subject to an administrative fee, an actuarial discount amount and other applicable deductions
Subject to state availability and variations.
Advantage Plus Whole Life
Advantage Plus Whole Life is a participating whole life product which

will provide for lifetime death benefit protection (up to age 121),
guaranteed cash values and lifetime guaranteed premium*
*Exception-Disability income coverage

Ages 30-50 looking for long term cash value growth
Ages 50-70 looking for guaranteed premium* and a death benefit
Middle Income Market
Want lifetime life insurance protection (up to age 121)
Want cash value accumulation potential
Non-medical or medically underwritten plans

Lifetime protection (to age 121)
Guaranteed cash values
Guaranteed lifetime premium*

(to age 100)
Customized coverage with valuable

riders

No medical exams (up to $250,000)
Foresters relies on applicant's answers to health & lifestyle

questions to offer up to $250,000 in coverage
No medical exam
No blood
No routine PHIs
Simple application process
Optional POS phone interview
Medically underwritten coverage available

Non-Medically Underwritten Features
No blood
Build Tables
No HOS
No APS
Optional Decision Express phone
interview
E-app Availability
56
259 lbs
57
265 lbs
58
274 lbs
59
281 lbs
510
292 lbs
511
298 lbs
MIB
Prescription History

Insurance Classes
Juvenile
Tobacco
Non-Tobacco
Issue Ages & Face Amounts

(age nearest)
0-15: $25,000 - $150,000

16-55: $25,000 - $250,000
56-75: $25,000 - $150,000
Underwriting
Issued Standard up to and including Table 4
Decision Express
Optional Point-of-Sale Underwriting Decisions

Medical Issue Ages and Face Amounts
Issue Ages
(age nearest)
Minimum Face
Amount
0-15
$150,001
16-70
$100,000
71-75
$50,000
76-85
$25,000
71-85 (preferred and

preferred plus classes)
$100,000

Insurance Classes
Medically Underwritten
Insurance Classes
Juvenile
Preferred Plus Non-Tobacco
Preferred Non-Tobacco
Non-Tobacco Plus
Non-Tobacco
Tobacco Plus
Tobacco

Premiums & Payment Options
Premium Modes
Monthly: $25.00 minimum (PAC only)

Quarterly: $75.00 minimum
Semi-Annually: $150.00 minimum
Annual: $300.00 minimum
Certificate Fee
(fully commissionable)
Monthly: $6.30
Quarterly: $18.72
Semi-Annual: $36.72
Annual: $72.00
Payment Options
20 pay
Paid-up at 100

Loans & Dividends
Loans
(non-direct recognition)
Available up to cash surrender value at the end of the

current certificate year
Current US variable loan rates (currently 5.0%)*
Contractual Dividends
Paid-Up Additions (default)

On deposit with interest (minimum 3.5% guarantee)
Reduce Premiums
Paid in Cash
*Loan rates are variable. Loan rates current as of January 1, 2014

Riders
Family Health Benefit Rider
Standard Protection Benefits Common Carrier Accidental Death Benefit Rider

Accelerated Death Benefit Rider
Living Benefits
Disability Income Rider (Accident Only)

Waiver of Premium Rider
Childrens Term Rider
Extended Protection
Accidental Death Rider

Guaranteed Insurability Rider
10-Year Term Rider
Additional Protection
20-Year Term Rider
Subject to state availability and variationsPaid-up
Additions Rider
Your Legacy Whole Life
Foresters Your Legacy Whole Life
A non-medical single premium participating whole life insurance

product which will provide for lifetime death benefit protection (up to
age 121) and guaranteed cash values

Target Market
Retirees that want to allocate a portion of their assets to cover a multitude of
financial risks while leveraging the potential estate value of the asset
Looking for simplicity: non-medical, single pay buys lifetime coverage with no
future premiums
Looking for cash value growth through dividends while having the upside of death
benefit protection
Want lifetime life insurance protection (up to age 121)
Grandparents or parents looking to buy coverage on their grandchildren or
children
Provides lifetime coverage and protects against the unpredictable such as
future uninsurability

Non-Medical Features
No blood
Standard Build Tables
No HOS
No APS (standard underwriting)
Optional Decision Express phone
interview to a table 4 (standard
underwriting)
MIB
56
259 lbs
57
265 lbs
58
274 lbs
59
281 lbs
510
292 lbs
511
298 lbs

Insurance Classes
Juvenile (issue ages 0-15)

Non-Tobacco (issue ages 16-85)
Tobacco (issue ages 16-85)
Substandard (issue ages 16-80)
Issue Ages 0-85 (age nearest) &

Minimum Single Premium
Amounts
0-15: $1,500
16-29: $5,000
30-85: $10,000
Maximum Single Premium 0-85
$500,000
Maximum Net Amount At Risk
Issue
Issue
Issue
Issue
Age
Age
Age
Age
0 - 15: $150,000
16 - 55: $250,000
56 - 75: $175,000
76 - 85: $150,000

Standard underwriting
Underwriting Classifications
Tables 1-4 (+25% to +100) with the

following classes:
Juvenile (issue ages 0-15)
Non-Tobacco (issue ages 16-85)
Tobacco (issue ages 16-85)
Ratings
Substandard underwriting is available on
issue ages 16 to 80. Rating classes are tables
5 to 8
(+125 to +200) and will be determined by
Underwriting.

Loans & Dividend Options
Loans
(non-direct recognition)
Available up to cash surrender value at the end of the

current certificate year
Current US variable loan rates (currently 5.0%)*
Dividends
Paid-up Additions (default)

On deposit with interest (minimum 3% guarantee)
Paid in Cash
*Loan rates are variable. Loan rates current as of March 20th, 2014

Features
Protection Benefits
Living Benefits
Subject to state availability

Common Carrier Accidental Death Benefit Rider
Smart Universal Life
A flexible universal life product that offers lifetime protection, nonmedical and medical underwriting and potential for cash value
accumulation

Target Market
Ages 30-50
Middle Income Market
Want lifetime life insurance protection
Want cash value accumulation potential
Want an easy application process with non-medical
Lifetime protection (to age 121)
Competitive Rates
Customized coverage with valuable

riders
Flexible coverage

Foresters relies on applicants answers to health & lifestyle questions to offer up to

$250,000 in coverage
No medical exam
No blood
No routine PHIs

No blood
Build Tables
56
259 lbs
57
265 lbs
58
274 lbs
59
281 lbs
E-app Availability
510
292 lbs
MIB
511
298 lbs
No HOS
No APS
Foresters Smart Universal Life

Non-Medical Issue Ages and Face Amounts
Issue Ages
(age nearest )
Minimum Face
Amount
Maximum Face
Amount
0-15
$25,000
$150,000
16-55
$25,000
$250,000
56-75
$25,000
$150,000
Foresters Smart Universal Life Insurance

Medical Issue Ages and Face Amounts
Issue Ages
(age nearest)
Minimum Face
Amount
0-15
$150,001
16-70
$100,000
71-75
$50,000
76-85
$25,000
71-85 (preferred and

preferred plus classes)
$100,000

Insurance Classes
Non-Medically Underwritten
Insurance Classes
Juvenile
Non-Tobacco
Tobacco
Medically Underwritten
Insurance Classes
Juvenile
Preferred Plus Non-Tobacco
Preferred Non-Tobacco
Non-Tobacco Plus
Non-Tobacco
Tobacco Plus
Tobacco

Premiums
Minimum Modal Premium
Premium Mode
$25.00
Monthly
$75.00
Quarterly
$150.00
Semi-Annually
$300.00
Annually
Surrender charges
Decreasing charge for 15 years
Premium expense charge
6% of premiums paid in the first 20 years
Monthly administration deduction
$12

Definition of Life Insurance
Tests
Guideline Premium Test (GPT)

Cash Value Accumulation Test (CVAT)
Death Benefits
Level
Increasing
Grace Period
61 days from the due date of the monthly deduction in

default
Reinstatements
Can be reinstated within 3 years of the date of lapse,

subject to conditions
Underwriting
Issued Standard up to and including Table 4 for NonMedical
Decision Express
Optional Point-of-Sale underwriting decisions for NonMedical


Riders
Standard Protection Benefits
Common Carrier Accidental Death Benefit Rider

Living Benefits
Disability Income Rider

(Accident Only)
Waiver of Monthly Deductions Rider
Childrens Term Rider
Extended Protection
Accidental Death Benefit Rider

Guaranteed Purchase Option Rider
Lifefirst Term Life
Lifefirst Term
A term life product that offers level premiums*, level death benefits,
non-medical underwriting and conversion privileges
*For the initial term, exception critical illness and disability income riders
Lifefirst Term
Choice of 10 , 20, 25 and 30 year term
Level premiums*
Level death benefits
Customized coverage with valuable riders
Conversion privileges
*For the initial term, exception critical illness and disability income riders
Lifefirst Term
Foresters relies on applicant's answers to health & lifestyle questions to offer

up to $250,000 in coverage
No medical exam
No blood
No routine PHIs
Optional Decision Express POS phone interview
Medically underwritten coverage available
Lifefirst Term
No blood
Build Tables
No HOS
No APS
Optional Decision Express POS phone
interview
E-app Availability
56
259 lbs
57
265 lbs
58
274 lbs
59
281 lbs
510
292 lbs
511
298 lbs
MIB
Lifefirst Term
Term Period
20 year (ages 18-65, 60 for tobacco)

Face Amount
(age nearest)
Issue Age 18-55: $50,000 to $250,000

Issue Age 56+: $50,000 to $150,000
Guaranteed Level Premiums
Annually increasing after initial term to age 100
Certificate Fee
Commissionable on Non-Medical
Convertible
Convertible up to the earlier of insureds age 65 or 5

years before expiration of the initial term
Underwriting
Issued standard up to and including table 4
Lifefirst Term
Medically Underwritten Features
Term Periods
10
20
25
30
year
year
year
year
(ages
(ages
(ages
(ages
18-80)
18-65, 60 for tobacco)
Face Amount (age nearest)
Issue Age 18-55: $250,001+

Issue Age 56+: $150,001+
Banding
Band 1: up to $999,999
Band 2: $1,000,000+
Issued Non-Tobacco Classes
Standard, Standard Plus, Preferred, Preferred

Plus
Issued Tobacco Classes
Standard, Standard Plus
Convertible
Convertible up to the earlier of insureds age 65

or 5 years before expiration of term
Lifefirst Term
Riders
Common Carrier Accidental
Death Benefit Rider
Standard Protection Benefits

Critical Illness Rider (Accelerated Death Benefit)
Disability Income Rider
(Accident Only & Accident and Sickness)
Living Benefits

Childrens Term Rider (convertible)
Extended Protection
Accidental Death Rider
Lifefirst Term
Prepared Accidental Death

Term
An accidental death term product that offers level premiums, level

death benefits, non-medical underwriting and return of premium
Accidents are the 5th leading cause of death in the United States
Accidental death term insurance is a low cost way to protect loved ones should an
accident strike
Source: Death: Final Data for 2007, National Vital Statistics Reports, Centers for Disease Control and Prevention,
U.S. Department of Health and Human Services, May 20, 2010.

Term Period
Expires on certificate anniversary at which

the insured turns age 75
Issue Ages (age last) and

Face Amounts
Issue Ages 18-60: $50,000 to $300,000
Death Benefit
Paid to beneficiary if insured dies within

180 days from an accidental bodily injury.
Underwriting
Non-medical, no PHI or Prescription History

checks
Certificate Fee (commissionable)
Monthly: $5.50
Quarterly: $16.50
Semi-Annual: $32.00
Annual: $60.00
Premiums
Payable to age 75
Minimum Premiums
$10/month
$30/quarterly
$60 semi-annually
$120 annually
Guaranteed Level Premiums
Prepared base premiums guaranteed not to

change to age 75
Disability Income rider premiums subject to
change
Non-cancellable
Prepared is non-cancellable provided client

pays premiums on time
Disability Income Rider (Accident Only)

(Accident Only)
Living Benefit Riders
Return of Premium Rider

Fallback Solution for Lifefirst Level Term
Have client fill out Authorization to Review & Transfer Information form
If Lifefirst application issued, Lifefirst coverage is in effect
Lifefirst application declined, producer receives
Notification from underwriting about decline
If client likely eligible for Prepared, a mailing package which includes:
Instructions on how to proceed with fallback
Partially pre-filled Prepared application
Clients cover letter if mailing application to client

Fallback Solution for Lifefirst Level Term
If proceeding with fallback, Producer can either
Visit client to complete pre-filled Prepared application with client face-toface

Or
Complete Prepared application with client by phone and mail to client for
signature (option is not available in West Virginia or for cases where initial
premium is to be paid by check)
Support
Support
Webinars
Advanced Planning
Products
Member Benefits
Underwriting
Support
Risk Assessments
Monday Friday
8:30 am 7:30 pm EST
866-466-7166
Support
Sales Support
Monday - Friday
8:30 AM 7:00 PM EST
866-466-7166 Option 1
Rewards
Rewards
Persistency
13 months: 78.5%
9 months: 84.0%
6 months: 88.2%
3 months: 90.8%
Placement
70%
*Subject to eligibility requirements. Some restrictions apply. See our producer website for details.
New Producer Webinar
866 466 7166 option 1
uslearning@foresters.com

New Producer Webinar (Foresters)

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New Producer Webinar

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

Foresters Financial is a leading international life insurance provider

Foresters Financial Strength

407325 US (04/16) For Producer Use Only

Foresters Financial Strength

Financial results as at December 31,2015.

407325 US (04/16) For Producer Use Only

Share a common bond

Partnership with KaBOOM!

407325 US (04/16) For Producer Use Only

2016 Playground Builds

407325 US (04/16) For Producer Use Only

Ronald McDonald House Charities

Partners for four years

Foresters has organized activities at more

Ronald McDonald House is a registered trademark of McDonalds

Foresters Prepared with Care

to deliver Foresters Prepared

407325 US (04/16) For Producer Use Only

Emergency Assistance Grants

Short-term, temporary financial

Storms and Flooding

One time, per disaster, payment

personal hardship, disaster or large-scale

8:00 am 4:00 pm Eastern, M-F

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

Up to 250 tuition scholarships

ForestersTM member benefits are non-contractual, subject to eligibility

407325 US (04/16) For Producer Use Only

Terminal Illness Loan

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

Death of a single parent - $3,000/year

407325 US (04/16) For Producer Use Only

407325 US (04/16) For Producer Use Only

Free legal services including a free simple will

Access to Legal Club of America discounts

407325 US (04/16) For Producer Use Only

Community Granting Program

407325 US (04/16) For Producer Use Only

Member Benefits For Helping Generations

Suppose two parents with three small children

the legal guardian of the orphaned children

407325 US (04/16) For Producer Use Only

Member Benefit Resources

407325 US (04/16) For Producer Use Only

Foresters Product Portfolio

407325 US (04/16) For Producer Use Only

Prepared Accidental Death Term

407325 US (04/16) For Producer Use Only

A whole life product designed to provide for death benefits as a way

407325 US (04/16) For Producer Use Only

PlanRight Whole Life

407325 US (04/16) For Producer Use Only

PlanRight Whole Life

Quick Application Process

no medical exam, no blood profiles, no HOS

Producers will know medical eligibility prior to leaving clients home

- Quick Pay in your pocket