Product Training

Term Life

Final Expense

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

Term Life

Final Expense

  • 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

Term Life

Final Expense

  • 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

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