Product Training

Strong Foundation

PlanRight

• 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

• Ages 50-85

• $2,000 to $35,000 face

• Phone Interview must be done at point of sale

• Member Benefits

• No E&O insurance required

Term Life Express

Living Promise

• 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)

• Ages 45-85

• $2,000 to $40,000 face

• No Phone Interview

• E-app available

• No E&O insurance required

Safeshield

Classic Choice

• 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)

• Ages 25-85

• $2,000 to $35,000 face

• Phone Interview on full benefit Elite & Select products

• Good product for cancer over 2 years ago

• E-app available

• No E&O insurance required

• Four products available, one almost guarantee issue

Term Life Comparison

Final Expense Comparison