Product Training

Term Life

10, 15, 20, 20, 25 and 30-Year level term
Ages 18-80
$20,000 to $400,000 face
No mortgage or life even requirement
Member benefits good for dependents
Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)
No return of premium available
Convertible
No E&O insurance required
E-app available
3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)
Unique Charity Benefit Provision added at no additional cost. Foresters will pay an additional 1% of the face amount (up to a max $100k payout) to a designated charity

10, 15, 20, and 30-Year level term
Ages 18-65
$25,000 to $300,000 face
No mortgage or life even requirement
No charge riders
Face amounts of $250,001 to $300,000 require a phone interview
Return of premium available on 20 and 30-year plans
No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal illness & Common Carrier Accidental Death
No E&O insurance required
E-app available
3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)

10, 15, 20, and 30-Year level term
Ages 18-65
$25,000 to $250,000 face
Best Disability Income Rider
No mortgage or life even requirement
Return of Premium available at 50% and 100% on 20 & 30-year plans
ROP at 50% is available on 20-Year up to age 60
No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
Convertible
No E&O insurance required
E-app available
3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)