Product Training
Term Life
Final Expense
Strong Foundation
PlanRight

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10, 15, 20, 20, 25 and 30-Year level term
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Ages 18-80
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$20,000 to $400,000 face
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No mortgage or life even requirement
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Member benefits good for dependents
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Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)
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No return of premium available
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Convertible
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No E&O insurance required
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E-app available
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3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)
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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
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Ages 50-85
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$2,000 to $35,000 face
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Phone Interview must be done at point of sale
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Member Benefits
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No E&O insurance required
Term Life Express
Living Promise
Term Life
Final Expense

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10, 15, 20, and 30-Year level term
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Ages 18-65
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$25,000 to $300,000 face
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No mortgage or life even requirement
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No charge riders
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Face amounts of $250,001 to $300,000 require a phone interview
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Return of premium available on 20 and 30-year plans
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No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal illness & Common Carrier Accidental Death
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No E&O insurance required
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E-app available
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3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)
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Ages 45-85
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$2,000 to $40,000 face
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No Phone Interview
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E-app available
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No E&O insurance required
Safeshield
Classic Choice
Term Life
Final Expense

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10, 15, 20, and 30-Year level term
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Ages 18-65
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$25,000 to $250,000 face
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Best Disability Income Rider
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No mortgage or life even requirement
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Return of Premium available at 50% and 100% on 20 & 30-year plans
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ROP at 50% is available on 20-Year up to age 60
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No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
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Convertible
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No E&O insurance required
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E-app available
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3 Living Benefit (ABR) riders available at no extra additional premium (terminal illness, critical illness & chronic illness)
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Ages 25-85
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$2,000 to $35,000 face
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Phone Interview on full benefit Elite & Select products
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Good product for cancer over 2 years ago
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E-app available
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No E&O insurance required
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Four products available, one almost guarantee issue
Term Life Comparison
Final Expense Comparison