Foresters Financial

Products & Services

• Term Life Insurance

  Term Life Insurance is a temporary life insurance product offered by Foresters Financial. It provides affordable life insurance protection for a specified period, helping individuals and families protect their financial obligations such as mortgages, personal debts, education costs and income replacement during their working years. Foresters Financial offers renewable and convertible term life insurance with a variety of coverage amounts and term options to meet different financial needs. Premiums are guaranteed during the selected term, and eligible policies may be renewed or converted to qualifying permanent life insurance products without providing additional medical evidence, subject to policy provisions and age requirements. As a Foresters member, eligible insureds may also have access to member benefits provided by Foresters Financial. Coverage amounts, premiums, renewal rates, conversion privileges, member benefits, eligibility, exclusions and all policy provisions are subject to the terms and conditions established by Foresters Financial.

• Advantage Max

  Advantage Max is a participating whole life insurance product offered by Foresters Financial. It provides lifetime life insurance protection with guaranteed premiums, guaranteed death benefits and guaranteed cash value, while offering the opportunity to earn participating dividends that may increase the policy's value over time. The product is designed for individuals seeking permanent life insurance together with long-term wealth accumulation and estate planning flexibility. Advantage Max offers flexible premium payment options, including 10-Pay, 20-Pay, and Pay to 100, with coverage amounts ranging from $50,000 to $20 million. Policyholders may select from several dividend options, such as purchasing paid-up additional insurance, reducing premiums, accumulating interest or receiving dividends in cash. The policy also includes valuable built-in features, such as the Quit Smoking Incentive Plan, Charity Benefit Provision, Children's Insurance Benefit, Juvenile Guaranteed Insurability Benefit, and access to Teladoc Medical Experts. Optional riders are available to further customize coverage. Dividends are not guaranteed and depend on the performance of Foresters' participating account. Coverage amounts, premiums, cash values, dividends, riders, eligibility and all policy benefits are subject to the terms and conditions established by Foresters Financial.

• Advantage Plus

  Advantage Plus II is a non-participating whole life insurance product offered by Foresters Financial. It provides permanent life insurance protection with guaranteed premiums, guaranteed death benefits and guaranteed cash value. The product is designed for individuals seeking lifelong coverage, predictable policy values and financial security without participating dividends. Advantage Plus II offers flexible premium payment options, including 10-Pay, 20-Pay, and Pay to Age 100, allowing policyholders to choose a payment schedule that aligns with their financial objectives. The policy accumulates guaranteed cash value that may be accessed through policy loans or withdrawals, subject to policy terms and applicable tax rules. It also includes several built-in features, such as the Quit Smoking Incentive Plan, Charity Benefit Provision, Children's Insurance Benefit, Juvenile Guaranteed Insurability Benefit, and access to Teladoc Medical Experts. Optional riders are available to further customize coverage. Coverage amounts, premiums, cash values, policy loans, riders, eligibility and all policy benefits are subject to the terms and conditions established by Foresters Financial.

• Critical Illness Insurance(Live Well Plus)

  Live Well Plus is a critical illness insurance product offered by Foresters Financial Canada. It is designed to provide a lump-sum, tax-free benefit if the insured is diagnosed with a covered critical illness and meets the policy conditions. The benefit can be used for medical expenses, income replacement, debt repayment, home modifications, or any other financial needs during recovery. Live Well Plus provides coverage for 25 covered critical illnesses based on current Canadian industry standards. Coverage is available with 10-year, 20-year, or coverage to Age 80 options, and insured amounts generally range from $25,000 to $2,000,000, subject to underwriting. The product also includes valuable built-in features such as a Non-Life-Threatening Illness Benefit, Return of Premium on Death, and access to Teladoc Medical Experts. Optional riders are available to further customize coverage. Eligibility, covered conditions, benefit amounts, premiums, riders and all policy provisions are subject to the terms and conditions established by Foresters Financial Canada.

• Non-Participating Whole Life Insurance

  Non-Par Whole Life is a non-participating permanent life insurance product offered by Foresters Financial Canada. It provides guaranteed lifetime life insurance protection with guaranteed premiums, guaranteed death benefits and guaranteed cash values. Unlike participating whole life insurance, this product does not pay policy dividends, making it suitable for individuals seeking predictable long-term protection and guaranteed policy values. The policy offers Single Life, Joint First-to-Die, and Joint Last-to-Die coverage options, with premium payment periods of 20 Pay or Pay to Age 100. Guaranteed cash value begins to accumulate from policy year 11 and may be accessed through policy loans, subject to policy terms and applicable tax rules. Built-in features include Bereavement Assistance, the Quit Smoking Incentive Plan, and access to Teladoc Medical Experts. Optional riders such as Term Riders, Spousal Term Riders, Child Term Rider, Accidental Death Benefit, and Disability Waiver of Premium are also available. Coverage amounts, premiums, cash values, riders, eligibility and all policy provisions are subject to the terms and conditions established by Foresters Financial Canada. Advantage Plus II offers flexible premium payment options, including 10-Pay, 20-Pay, and Pay to Age 100. The policy builds guaranteed cash value over time, which may be accessed through policy loans or withdrawals, subject to policy provisions and applicable tax legislation. It also includes several built-in benefits, such as the Quit Smoking Incentive Plan, Charity Benefit Provision, Children's Insurance Benefit, Juvenile Guaranteed Insurability Benefit, and access to Teladoc Medical Experts. Optional riders are available to further customize coverage. Coverage amounts, premiums, cash values, policy loans, riders, eligibility and all policy provisions are subject to the terms and conditions established by Foresters Financial.

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