When it comes to investments, Foresters Financial™ includes environmental, social and governance (ESG) factors in our overall decision-making to better understand risk-adjusted returns. We recognize climate change as a significant human, business and financial risk. As of June 2022, $287 million of our assets were held in green and sustainable bonds.¹
We partner with investment managers who share our approach and incorporate ESG into their investment processes. Through these partnerships, we’re working to evolve our investments in line with industry best practices in the ESG field.
A.M. Best Company has affirmed an “A” (Excellent) rating for The Independent Order of Foresters for 23 consecutive years! And DBRS Morningstar has also confirmed our “A” Financial Strength Rating.
Latest update to Foresters iPipeline iGo e-App
- New reflexive questionnaires with guided prompts allow for additional client information to be submitted.
- Expanded client details, improve Point of Sales (POS) decisions.
Available for Advantage Plus II, SMART UL and Strong Foundation non-medical¹
Temporary Certificate e‑Delivery
- Certificate e-Delivery
- Delivery Requirements Submissions
- Photos or scans of forms and questionnaires
Product Highlights
- Face amounts range from $5,000-$35,000 depending on plan option.
- Three plan options - two that base the death benefit on the full face amount (Standard and Preferred) and one that can provide a limited death benefit amount (Basic) in the first two years and can provide a full death benefit amount thereafter.
- No medical exam, no blood test
- Decisioning right in the home: medical eligibility determined at point-of-sale
Product Highlights
Advantage Plus II offers- Lifetime death benefit protection up to age 121
- Guaranteed cash value
- Lifetime guaranteed premium.
- Non-medical1 issue up to $400,000 in coverage (ages 16–55).
- Coverage as low as $50,000 (ages 16-70) and up to $10,000,000 and higher with medical underwriting
- Preferred and substandard underwriting classes available
- Up to three additional riders at no additional premium
- Available on e-App
Product Highlights
- Simplified issue & quick decisioning
- Short application for up to 6 applicants
- Low cost point of entry for non-participating permanent life insurance
- Death benefit ranging from $5,000 to $75,000
- Built-in Guaranteed Insurability Rider
- Up to three additional riders at no additional premium
- Available on e-App
Product Highlights
- Competitive non-guaranteed interest rate of 4.3%3
- Guaranteed interest rate of 2.0%
- Lower loan interest rates:
- certificate years 1-7 loan interest rate is 4.0%
- preferred loan interest rate is 2.0% after the 7th certificate anniversary
- collateral loan interest account crediting rate is 2.0%
- Re-priced using 2017 CSO tables
- 10-Year Minimum Premium No-Lapse Guarantee4
- Low minimum modal premiums
Product Highlights
The protection your clients need now and in the future. 10-, 15-, 20-, 25-, and 30-year guaranteed level term insurance with issue ages from 18 to 80.- Non-medical 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+
For Producer use only. Not for use with the public.