Foresters Quality Life Insurance

Foresters quality life insurance

Learn how working with Foresters FinancialTM can help you grow your business and better serve your community.

Becky Cummings Assistant Vice President National Sales Director T 800-461-8431, ext. BECK (2325) M 765-491-3917 [email protected] Advantage Plus Whole Life Insurance The 3 in 1 advantage 1 Affordable permanent protection 2 Cash-value growth 3 10 and 20-year Term Riders

We’re enhancing Advantage Plus, here’s why: Foresters Financial™ has improved its market leading whole life insurance to better align with your customers’ evolving protection needs and help with retirement savings goals. Advantage Plus has been enhanced to increase coverage and include a robust set of features that provide even more of a complete insurance solution.

Key enhancements: Plus all the features you’ve come to expect: NEW: Charity Benefit provision¹ Coverage and cash values – Guaranteed death benefit and cash values. – Foresters will pay an additional 1% of the face amount – Potential for dividends³ to grow cash value and Paid-up Additions to a designated registered charitable organization, so to grow death benefit. clients can support their favorite cause. Automatically Value added riders with no additional cost or premium included in the contract at no additional premium. – Accelerated Death Benefit Rider⁴ Juvenile Coverage – Common Carrier Accidental Death Rider – Family Health Benefit Rider – Minimum premium reduced from $25 to $17 per month for both non-medical² and medical cases. Optional riders⁵ for living benefits and added protection – Guaranteed Insurability Rider – Minimum face amount for juveniles reduced from – Disability Income Rider (Accident Only) $150,000 to $50,000 for medical cases. – Waiver of Premium Rider – Single and Flexible Payment Paid-up Additions Riders Paid-up Additions Rider (PUAR) – 10 and 20- year Term Riders (convertible) – Multiple enhancements, including: – Children’s Term Rider (convertible) -issue ages now to age 75. – Accidental Death Rider -maximum underwriting limits increased to $200,000 Underwriting options annually and $2,000,000 lifetime. – Non-medical issue up to $400,000 in coverage (ages 16–55). – Coverage as low as $100,000 (ages 16-70) and up to Premium Deposit Fund (PDF) $10,000,000 and higher with medical underwriting. – PDF Agreement available in all states. – Preferred and substandard underwriting classes available.

The Charity Benefit provision is available on applications that are signed and dated on or after August 26, 2017. Foresters Advantage Plus and its riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the Foresters Advantage Plus Life Insurance contract for your state for these terms and conditions. Underwritten by The Independent Order of Foresters. ¹ Foresters will pay the eligible designated charitable organization in the name of the insured. The maximum payment under this provision is $100,000. The designated charitable organization must be an accredited 501(c)(3) organization under the Internal Revenue Code and eligible to receive charitable contributions as defined in section 170(c) of that code. ² Insurability depends on answers to health and lifestyle questions and an underwriting review. ³ Dividends are not guaranteed. Past dividends are not an indicator of future dividend performance. ⁴ Not available in CA. ⁵ Each rider mentioned requires additional premium unless otherwise noted.

504209 US (08/17) Advantage Plus Whole Life Insurance Single Payment Paid-up Additions Rider

Product Availability – For issue ages 18–55: Foresters Advantage Plus Participating Whole Life $400,000 minus the face amount of the base (non-medical¹ and medically underwritten) certificate, plus the Term Rider (if applicable), plus any other non-medical coverage currently inforce with Description Foresters Financial™. The Single Payment Paid-up Additions Rider (SPUAR) – For issue ages 56–70: provides the Owner the opportunity to purchase paid-up additional insurance, also known as “Paid-up Additions” $150,000 minus the face amount of the base certificate, or “PUAs”, on the life of the Insured. PUAs are permanent, plus the Term Rider (if applicable), plus any other participating life insurance, with guaranteed death benefit non-medical coverage currently inforce with Foresters. and cash values, which endow at age 121. PUAs are eligible to receive dividends.² Expense Charge A payment expense charge of 6.0% is deducted from the Issue Ages single payment made under the rider. The net payment is Medical: 18–75 used to purchase the paid-up insurance. Non-Medical: 18–75 Death Benefit Payment Amounts The amount of paid-up insurance purchased by each net payment will vary based upon the Insured’s age, gender, Minimum Payment: $600 and insurance class (i.e. non-tobacco or tobacco) at the Maximum Payment (as follows): time the payment is made.

Medical Payment Modes and Billing The maximum payment is the amount approved There is no payment mode or billing for the SPUAR; it is for at the time of underwriting, subject to a maximum of a one-time payment. $200,000 and inclusive of all Paid-up Additions Riders (PUAR) on the Insured. Effective Date Non-Medical The rider effective date is the same as the issue date A payment made on non-medical applications is limited (or monthiversary of the issue date) of the base certificate. to 1035 exchanges only. No other source of payment is allowed. Expiry date The maximum payment is based upon the face amount The earlier of the date the single payment is accepted a single payment will purchase, subject to the total inforce or, 60 days after the rider issue date. Foresters may coverage on the Insured: accept a payment arriving later than 60 days after the rider issue date, if the delay is not the fault of the owner (e.g. 1035 exchange).

Dividends² PUAs are eligible to receive dividends. Dividends, if any, paid on the PUAs will be applied using the same dividend option in effect for the base certificate. Dividends are non-direct recognition. Cash Value Underwriting PUAs have guaranteed cash value. On the date the PUAs Medical are purchased, the cash value of the PUAs is the net single The PUAR cannot be rated, however it may be added to payment, i.e. the single payment less the 6.0% payment a rated case based on the following: expense charge. On any date after they are purchased the cash value of PUAs is the amount of the PUA death benefit – If the insured is rated Table F (+150%) the PUAR is divided by the net single premium rate in effect on that issued standard. date. The cash value grows each year. – If insured is rated higher than Table F (+150%), the PUAR The cash value of PUAs adds to the cash surrender value will be declined. of the certificate. – If the insured is rated with a flat extra (occupational/ vocational or temporary) less than or equal to $5 Loans³ per $1,000 of face amount on an annualized basis, Loans can be taken out against the cash value of the PUAs the PUAR will be issued standard. provided that the certificate is in effect and has a positive – If the insured is rated with a flat extra (occupational/ cash surrender value. Interest is charged daily at the vocational or temporary) higher than $5 per $1,000 current Foresters U.S. variable loan rate. of face amount on an annualized basis, the PUAR will be declined. Surrenders See the Foresters Underwriting Guide for age and PUAs may be surrendered for their cash value. Full and amount requirements. partial surrenders are allowed. Partial surrenders are subject to the following restrictions: Non-Medical – A maximum of 4 partial surrenders per certificate year The PUAR is issued at a standard rating. are allowed. See the Foresters Underwriting Guide for age and – A minimum of $500 of cash value must be surrendered. amount requirements. – Any cash value that has been borrowed against may not be surrendered. The surrender of PUAs could result in the recalculation of the Modified Endowment Contract (MEC) limit if the death benefit purchased from the initial payment towards the PUAR, effective the issue date of the contract, is reduced.

This flyer is provided for information purposes only; it does not form part of the Foresters Advantage Plus Whole Life Insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Life insurance contracts are underwritten and issued by The Independent Order of Foresters, a fraternal benefit society. Foresters Advantage Plus and its riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the Foresters Advantage Plus Whole Life Insurance contract for your state for these terms and conditions. ¹ Insurability depends on answers to health and lifestyle questions and an underwriting review. ² Dividends are not guaranteed. Past dividends are not an indicator of future dividend performance. ³ Loans can be taken if the certificate is in effect and has a positive cash surrender value. Interest is charged daily at the current Foresters US variable loan rate. Death benefit payable is net of the outstanding certificate loan amount(s) (including accrued interest). If the loan amount exceeds the cash value plus the present value of PUAs and dividends on deposit amount the certificate will terminate. Not a bank deposit. Not FDIC insured. Not guaranteed by any bank or credit union. Not insured by any federal government agency.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. NM155 FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC. 504251 US (08/17) Advantage Plus Whole Life Insurance Flexible Payment Paid-up Additions Rider

Product Availability Payment Modes and Billing Foresters Advantage Plus Participating Whole Life Payments under the FPUAR can be made at any time. (medically underwritten) However, at certificate issue, rider billing must be in the same mode as the premium payments for the base Description certificate. After issue, the billing mode for the rider can be changed to any other mode. The Flexible Payment Paid-up Additions Rider (FPUAR) provides the Owner the opportunity to purchase paid-up additional insurance, also known as “Paid-up Additions” Effective Date or “PUAs”, on the life of the Insured. PUAs are permanent, The rider effective date is the same as the issue date of the participating life insurance, with guaranteed death benefit base certificate. and cash values, which endow at age 121. PUAs are eligible to receive dividends.¹ Expiry date For issue ages 18–73, the rider will expire the earlier Issue Ages of age 80 or 25 years after issue. Medical: 18–75 For issue ages 74–75, the rider will expire the earlier of age 82 or 7 years after issue. Payment Amounts For all issue ages, the rider will expire if the base premium is Minimum Payment: $50 either not paid or is paid by automatic premium loan (APL), Maximum Payment (as follows): or if the certificate becomes reduced paid-up insurance. The maximum annual payment is the amount approved ¹ for at the time of underwriting, subject to a maximum of Dividends $200,000 and inclusive of all Paid-up Additions Riders PUAs are eligible to receive dividends. Dividends, if any, (PUAR) on the Insured. The maximum lifetime payment paid on the PUAs will be applied using the same dividend is $2,000,000, inclusive of all payments made under any option in effect for the base certificate. Dividends are PUAR on the Insured. non-direct recognition.

Expense Charge Cash Value A payment expense charge of 6.0% is deducted from each PUAs have guaranteed cash value. On the date they are payment made under the rider. The net payment is used to purchased, the cash value of the PUAs is the net single purchase the paid-up insurance. payment, i.e. the single payment less the 6.0% payment expense charge. On any date after they are purchased the Death Benefit cash value of PUAs is the amount of the PUA death benefit divided by the net single premium rate in effect on that The amount of paid-up insurance purchased by each net date. The cash value grows each year. payment will vary based upon the Insured’s age, gender, and insurance class (i.e. non-tobacco or tobacco) at the The cash value of PUAs adds to the cash surrender value time the payment is made. of the certificate.

Loans² Loans can be taken out against the cash value of the PUAs provided that the certificate is in effect and has a positive cash surrender value. Interest is charged daily at the current Foresters U.S. variable loan rate. Surrenders Payment Reset Provision PUAs may be surrendered for their cash value. Full and If the maximum annual payment amount is not made each partial surrenders are allowed. Partial surrenders are year, then the maximum annual payment amount may be subject to the following restrictions: reduced at year five, year ten, and annually thereafter. If payments haven’t been maximized then the reset rules are: – A maximum of 4 partial surrenders per certificate year are allowed. – 5th anniversary: the maximum annual payment amount will be reduced to equal the average annual payment – A minimum of $500 of cash value must be surrendered. (including catch-up payments) made in the first five years. – Any cash value that has been borrowed against may – 10th anniversary: the maximum annual payment not be surrendered. amount will be reduced to equal the average annual The surrender of PUAs could result in the recalculation of payment (including catch-up payments) made in years the Modified Endowment Contract (MEC) limit if the death six through ten. benefit purchased from the initial payment towards the – 11th anniversary and thereafter: the maximum annual PUAR, effective the issue date of the contract, is reduced. payment amount will be reduced to equal the total payment made in the previous year Underwriting Medical Payment Catch-up Rules The PUAR cannot be rated, however it may be added to If one or more actual FPUAR payments are less than a rated case based on the following: the FPUAR approved maximum annual payment, – If the insured is rated Table F (+150%) the PUAR is the Owner may be allowed to catch-up on payments issued standard. by making additional payments over and above the regular flexible payment schedule. – If insured is rated higher than Table F (+150%), the PUAR will be declined. The catch-up amount is the cumulative flexible payments, which is the approved maximum annual – If the insured is rated with a flat extra (occupational/ payment less the actual payments made. The catch-up vocational or temporary) less than or equal to $5 payment can include missed flexible payments from per $1,000 of face amount on an annualized basis, the prior 10 certificate years. the PUAR will be issued standard. The maximum catch-up payment is $25,000 per year for – If the insured is rated with a flat extra (occupational/ the first 10 years. Catch-up payments are in addition to the vocational or temporary) higher than $5 per $1,000 annual payment amount, but are subject to the maximum of face amount on an annualized basis, the PUAR will annual and lifetime PUAR limits. Amounts surrendered are be declined. not added to the existing Catch-up room to increase it. See the Foresters Underwriting Guide for age and The Catch-up amount does not carry forward after the amount requirements. first 10-years. The Payment Catch-up Rules are the current business rules for the FPUAR. They are non-contractual and subject to change at any time and without notification.

This flyer is provided for information purposes only; it does not form part of the Foresters Advantage Plus Whole Life Insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Life insurance contracts are underwritten and issued by The Independent Order of Foresters, a fraternal benefit society. Foresters Advantage Plus and its riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the Foresters Advantage Plus Whole Life Insurance contract for your state for these terms and conditions. ¹ Dividends are not guaranteed. Past dividends are not an indicator of future dividend performance. ² Loans can be taken if the certificate is in effect and has a positive cash surrender value. Interest is charged daily at the current Foresters US variable loan rate. Death benefit payable is net of the outstanding certificate loan amount(s) (including accrued interest). If the loan amount exceeds the cash value plus the present value of PUAs and dividends on deposit amount the certificate will terminate. Not a bank deposit. Not FDIC insured. Not guaranteed by any bank or credit union. Not insured by any federal government agency.

Game changer Foresters Financial: your competitive new term life player

Foresters Financial™ is pleased to introduce Your Term Your Term offers customizable coverage and is designed to meet the needs of the middle market across multiple generations. Competitively priced, Your Term offers enhanced features like new term periods, lower minimum premiums, and a unique new Charity Benefit provision. Affordable protection meets charitable giving Your Term highlights - Riders automatically included with - 10-, 15-, 20-, 25- and 30- year terms for both non-medical1 no additional premiums: and medically underwritten plans • Accelerated Death Benefit Rider2 - Issue ages from 18 to 80 • Family Health Benefit Rider - Non-medical face amounts up to $400,000 • Common Carrier Accidental Death Benefit Rider - Medically underwritten face amounts from $100,000 - Riders available11 for living benefits or to $10,000,000 or higher - Low minimum premium requirements: added protection: • $10 monthly, $30 quarterly, $60 semi-annually and • Waiver of Premium Rider $120 annually • Disability Income Rider (Accident Only) - New Charity Benefit provision: Foresters will pay an additional • Disability Income Rider (Accident & Sickness) 1% of the face amount to a designated registered charitable • Accidental Death Rider organization10, so clients can support their favorite cause. • Children’s Term Rider Automatically included in the contract at no additional premium - Renewable and convertible - Uses Foresters standard application Medically Underwritten Rankings3 for $500K Put Your Term to the spreadsheet test

10 Year 20 Year 30 Year Age MPPNT MNT FPPNT FNT MPPNT MNT FPPNT FNT MPPNT MNT FPPNT FNT 35 $16.63 $30.63 $14.44 $24.51 $22.32 $46.82 $19.26 $39.82 $39.82 $77.01 $34.13 $62.13

Rank 6 3 5 3 4 6 3 4 5 4 5 5 45 $30.63 $46.82 $25.82 $46.38 $53.38 $97.57 $39.38 $78.76 $88.38 $174.13 $66.94 $130.82

Rank 4 1 4 3 6 4 2 5 5 4 4 6 55 $72.19 $140.88 $52.94 $101.94 $125.13 $250.69 $87.94 $175.88 $251.57 $408.63 $163.63 $314.13

Rank 4 3 3 4 5 4 1 6 2 3 1 1

Ranked against: American General, American National, Assurity, Banner Life, John Hancock, Life Insurance Company of the Southwest, New York Life, North American Co., Protective Life, Pruco, Transamerica, United of Omaha

1 Non-Medical Rankings3 for $100K Improved non-medical rates, continuous focus on ease of doing business

10 Year 20 Year 30 Year Age MNT MT FNT FT MNT MT FNT FT MNT MT FNT FT 35 $15.14 $33.87 $13.22 $30.81 $20.48 $42.44 $17.86 $38.33 $29.93 $62.83 $26.17 $52.59

Rank 2 3 2 5 2 2 2 2 4 7 4 4 40 $20.31 $51.54 $16.54 $46.73 $28.62 $65.54 $24.42 $59.16 $42.36 $98.44 $34.39 $75.96

Rank 3 5 2 6 3 4 4 3 4 7 4 4 45 $26.17 $74.35 $21.27 $69.48 $37.98 $95.38 $35.79 $88.99 $61.24 $137.82 $46.12 $105.27

Rank 5 5 4 6 3 4 5 5 4 7 4 4

Ranked against: American-Amicable, American National, Americo, Assurity, Columbian Life, Life Insurance Company of the Southwest, Phoenix Life, Transamerica, United Home Life, United of Omaha Foresters non-medical advantage For more - Up to $400,000 in coverage (issue ages 18 to 55) with no fluid collection or saliva swab, no information paramed examination, no routine health interviews, and no financial requirements or justification - Convenient online iGo e-App4: call: • Touch-to-Sign5 or ClickWrap5 • Point-of-Sale decisions6 by email in under 10 minutes • Quick to issue and quick to pay

Why choose Foresters Financial? Strength and stability Complimentary member benefits9 you can count on to support client relationships The Independent Order of Foresters is more We provide more than life insurance than 140 years old with an “A” (Excellent) A.M. – we also offer unique complimentary Best Rating for 17 consecutive years7 member benefits including Competitive Tuition Financially strong, with assets of $13.4 billion, Scholarships, Community Grants, Legal Link, liabilities of $11.3 billion and a surplus and Everyday Money. of $2.1 billion.8

Foresters Your Term and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. Refer to Foresters Your Term Producer Guide and the insurance contract for the applicable state for details. 1 Insurability depends on answers to health and lifestyle questions and an underwriting review. 2 Accelerated Death Benefit Rider is subject to the terms of the applicable state rider, including definitions of chronic, critical and terminal illness. Not available in CA. 3 Data cited with permission of Compulife® (as of December 14, 2017). Compulife® is a registered trademark of Compulife Software, Inc. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients. 4 E-App is available for non-medical Your Term, SMART UL, Your Legacy and Advantage Plus. Currently available only through the iPipeline iGO e-App. E-App is not available in NY. 5 Touch-to-Sign or ClickWrap technology only available for iPad. 6 POS will be unavailable Mondays-Saturdays from 2:00 a.m. to 6:00 a.m. and from Saturday 10:00 pm to Sunday 10:00 a.m. (ET). 7 The A.M. Best rating assigned on September 1, 2017 reflects The Independent Order of Foresters overall strength and claims-paying ability but does not apply to the performance of investment products. An “A” (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. See ambest.com for our latest rating. 8 This surplus, comprising assets of $13.4 billion and liabilities of $11.3 billion represents excess funds above the amount required as legal reserves for insurance and annuity certificates in force and provides additional assurances to our members for our long term financial strength. Financial strength refers to the overall health of The Independent Order of Foresters. It does not refer to nor represent the performance of any particular investment or insurance product. Financial results as at December 31, 2016. All figures in Canadian dollars as of December 31, 2016. 9 Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. 10 Foresters will pay the eligible designated charitable organization in the name of the insured. The maximum payment under this provision is $100,000. The designated charitable organization must be an accredited 501(c)(3) organization under the Internal Revenue Code and eligible to receive charitable contributions as defined in section 170(c) of that code. 11 Riders require additional premium unless stated otherwise.

Products Underwritten by The Independent Order of Foresters. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. NA139_174 FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC. 504218 US (12/17) 2 Donate to your favorite causes with Foresters Financial Charity Benefit provision

At Foresters Financial™ we believe in helping you do more; not only in achieving your financial goals but helping you make a difference in your community. With our new Charity Benefit provision, we’re making it even easier for you to make that difference. What is it? The Charity Benefit provision is a new feature with Foresters Advantage Plus and Your Term products. This contractual provision is automatically included at no additional premium and does not impact your death benefit. How it works Charity Benefit provision checklist When a claim is paid to the beneficiaries, Foresters will pay1 – Automatically included as part of your contract and there an additional 1% of the face amount to a registered charitable is no additional premium required organization as designated by the owner. The payment is made – T he owner selects the registered charitable organization at as a donation in the name of the insured. the time of application but can change the designation while the coverage is inforce prior to the date of death of the insured A quick example – If no charitable organization is designated, then a donation You purchase $100,000 of 20-year Your Term life insurance will not be made coverage. You name a beneficiary (such as a spouse or child) for – T he donation is 100% tax free2 and does not need to be the death benefit amount. In addition, you also name a registered included as part of the insured’s estate charitable organization for the Charity Benefit provision. When – The donation may be eligible for a charitable tax deduction2 a claim is paid, the beneficiary or beneficiaries will receive the from the charity $100,000 death benefit amount. Plus Foresters makes a $1,000 – The donation can be split among multiple charitable payment to the designated registered charitable organization. organizations

For more information about Foresters Financial Charity Benefit provision call

The Charity Benefit provision is available on Your Term applications that are signed and dated on or after April 22, 2017 (on or after August 26, 2017 in NY), and on Advantage Plus applications that are signed and dated on or after August 26, 2017. This flyer is provided for information purposes only; it does not form part of the insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Life insurance contracts are issued by The Independent Order of Foresters, a fraternal benefit society. Products may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the insurance contract for your state for these terms and conditions. Foresters Advantage Plus is filed under Foresters Advantage Plus: ICC17-WL-US01 or WL-XX01-2017. Foresters Your Term is filed under Foresters Your Term: ICC16-TERM-ANB-US01 or TERM-ANB-XX01-2016. “XX” represents either “US” or your state’s postal abbreviation, as applicable. 1 The maximum payment under this provision is $100,000. The designated charitable organization must be an accredited 501(c)(3) organization under the Internal Revenue Code and eligible to receive charitable contributions as defined in section 170(c) of that code. 2 Foresters, its employees and life insurance representatives do not provide, on Foresters behalf, legal, tax, or estate planning advice. The information here reflects our understanding of current laws and regulations. Prospective purchasers should contact their own legal, tax, or estate planning advisors on their specific situations. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. NM154

504122 US (08/17) Accelerated Death Benefit Rider

Fact Sheet

As a complement to the protection provided by Foresters FinancialTM life insurance products, a value-added Accelerated Death Benefit Rider (ABR), is included, for no additional premium, with all eligible life insurance certificates.

If the insured is diagnosed with an eligible illness, ABR offers the owner an opportunity to accelerate a portion of the eligible death benefit and receive an accelerated death benefit payment. Depending on eligibility and state variations, the rider can be issued with one or more of the following eligible illnesses (summarized description below; see applicable rider for full definition):

Chronic Illness Eligibility Criteria • Diagnosed by a physician as permanent, unable to perform at least • Base face amount ≥ $20,000 or product’s minimum face amount 2 of the 6 activities of daily living for at least 90 days OR a severe • Insured issue age ≤ 75 cognitive impairment • Standard premium rate classes • For any 12-month period, can accelerate up to 24% of the Claim amount is subject to an overall lifetime maximum of 95% of the eligible death benefit at the time of the initial chronic illness claim eligible death benefit, up to $500,000

Critical Illness Eligibility Criteria • Life threatening cancer, myocardial infarction (heart attack), stroke, • Base face amount ≥ $20,000 or product’s minimum face amount advanced Alzheimer’s Disease (before age 75), end stage renal • Insured issue age ≤ 75 failure, major organ failure, ALS • Standard premium rate classes • Can accelerate up to 95% of the eligible death benefit at the time Claim amount is subject to an overall lifetime maximum of 95% of the of each critical illness claim to a maximum of $500,000 eligible death benefit, up to $500,000

Terminal Illness Eligibility Criteria • Non-correctable illness or physical condition which is • Base face amount ≥ $20,000 or product’s minimum face amount reasonably expected to result in death within 12 months • All ages of diagnosis • Standard and sub standard premium rate classes • Can accelerate up to 95% of the eligible death benefit at the time Claim amount is subject to an overall lifetime maximum of 95% of the of terminal illness claim to a maximum of $500,000 eligible death benefit, up to $500,000

First and foremost... As you know, the primary purpose of life insurance is to provide a benefit to the designated beneficiary at death. While the ABR can provide livinga benefit to help ease the burden of a life-changing illness, there are a few things your client should recognize:

• While there is no waiting period to make an ABR claim, each • The ABR payment may affect your client’s eligibility to receive critical, chronic illness and terminal ABR payment may be less than certain public assistance, government benefits or entitlements. the acceleration amount - which is subject to loan repayment if • After each ABR claim, the base face amount, paid-up additional applicable, as well as, for critical and chronic illness, an insurance, cash value and loan amount, if any, will be decreased, administrative fee and actuarial discount amount. on a pro-rated basis. As a result, a lower death benefit will be left • The ABR is designed to complement the life insurance protection to the designated beneficiary(ies) than was intended when the life and not to replace any critical illness, chronic illness or, and is not, insurance was originally purchased. long-term care insurance coverage. • The ABR payment is intended to qualify for favorable tax treatment, however, depending on individual circumstances, there may be tax consequences.

Before making an ABR claim, your client should consult a qualified advisor(s) to evaluate the impact of receiving an ABR benefit payment.

Products underwritten by The Independent Order of Foresters. Not for use in CA or NY. ABR not available on Foresters PlanRight or Prepared. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC. 503628 US (03/18) Also noted… To make another chronic illness claim ABR disclosure If your client wants to make a further claim due to another chronic ill- A signed copy of the ABR disclosure must be returned to Foresters at the ness, he/she must re-apply for a new payment. Note that the total ABR time of application. claim payment(s) is subject to the chronic illness claim limit as well as the overall lifetime maximum. Minimum residual face amount The minimum required residual base face amount is $10,000. If your client qualifies under the definition of more than one illness Your client can choose to request the ABR payment under any Administration fee diagnosed eligible illness, with consideration of the following factors: For each chronic and critical illness claim, there will be an administration fee applied to the ABR payment. Currently in most states, it is $300, and is • The maximum allowable acceleration amount per claim for chronic guaranteed not to exceed $500. illness is different than for critical and terminal illnesses. • After an ABR terminal illness payment, the ABR will terminate. Actuarial discount amount • The requested amount will be reduced by an actuarial The actuarial discount amount will be applied to all critical and chronic discount amount for chronic and critical illness claims, illness claims. It varies by measures such as issue age, gender, and but not for terminal illness claims. in-force duration (See Sample ABR payment calculation for reference). • An administrative fee will be applied to each chronic and critical illness claim payment. Underwriting requirement There are no additional underwriting requirements for ABR. Subject to If my client made a claim due to an eligible critical illness, can my client state variations and eligibility criteria, it will be automatically added to make another critical illness claim for a reoccurrence of the same illness? eligible certificates. Yes, your client can submit a new claim and it will be adjudicated To make an ABR claim accordingly, as long as the total amount does not exceed the critical Your client can contact our Claims team at 800-828-1540, option 2. illness maximum claim limit or the overall lifetime maximum limit. Upon the approval of a claim, an ABR offer letter, summarizing the ABR benefit payment amount and its impact on your client’s certificate going forward, will be sent to the claimant for a decision.

Terminal illness coverage under ABR vs. Terminal Illness Member Benefit1 While Terminal Illness Member Benefit1 will still be available for eligible members, the terminal illness coverage under the ABR has a higher benefit amount that may better meet your client’s living benefit needs if diagnosed with a terminal illness. The table below provides a summary of the two benefits.

Terminal illness benefit under ABR Terminal Illness Member Benefit1 Owner can accelerate up to the lesser of 95% of the eligible death benefit Eligible members can borrow up to the lesser of 75% of total Foresters or $500,000. insurance amount or $250,000. It is a contractual benefit under the ABR for eligible certificates. It is a non-contractual benefit for eligible members.

Upon claim approval, the requested amount will be paid out to the owner Upon claim approval, the requested amount will be paid out to the in a lump sum, i.e. will not be reduced by administrative fee or actuarial member in a lump sum, i.e. will not be reduced by administrative fee or discount amount. actuarial discount amount. It is a lump sum advance death benefit payment prior to death – It is an interest free loan applied against the certificate – certificate face certificate face amount will be reduced after the claim. amount will remain unchanged after the claim, however, an assignment will be placed on the death benefit as security for the loan. ABR payment calculation – Example2 Chronic illness claim - for female, issue age 45, standard non-smoker, face amount of $100,000, assuming claim occurs in year 30

At time of claim Calculation Accelerate 24% of Impact on Immediately Impact on 10 years death benefit at certificate after certificate after year 30 acceleration acceleration Face amount $100,000 Acceleration $24,000 (24% of eligible Face amount $76,000 Face amount $76,000 Total account value $39,279 Amount death benefit) Total account $29,852 Total account $44,188 Multiply by actuarial 51.2% value value discount amount3 Less administrative $300 fee Accelerated death $11,988 lump sum benefit payment (equates to $999 per month for 12 months)

Accelerated Death Benefit Rider is subject to the terms of the applicable state rider and may not be available or approved in all states. State variations may apply. Terminal Illness Loan is not available as a member benefit in the states of Illinois and New York or on Accidental Death products. 1 Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled withoutnotice. 2 Numbers shown, including the ABR payment amount, in the above example are estimates. They are used to show how an ABR payment is calculated and the impact of that payment on a SMART Universal Life certificate under non-guaranteed elements and assuming no changes in those non-guaranteed elements. Actual payment amount and impact will be based on the specific situation. This example is provided for illustration purposes only and is not guaranteed. 3 The actuarial discount amount varies by product is based on a number of factors such as issue age, gender, and in-force duration. Unique benefits for everyday families

Foresters FinancialTM members get so much more than a standard life insurance product. Your clients can take advantage of opportunities to make a difference in their community, develop their personal skills and attend fun family events. They may also be eligible for valuable member benefits that can supplement their insurance coverage.

Scholarships Benefits of Membership Competitive Scholarships2 • Available every year to eligible members and their family members who qualify. Let’s look at an example of how member benefits1 may supplement Orphan Scholarships the Foresters life insurance coverage • Per year per child, renewable for up to 4 years of full-time post secondary education upon the death your client is purchasing. of: both parents, up to $6,000; a single parent, up to $3,000; one of two parents, up to $1,500. In this example, if a married couple with three children, were to die when Well-Being Benefits 3 their children were turning ages Terminal Illness loan • An interest-free loan of up to 75% of the net face amount of the Foresters life insurance coverage on 1, 3 and 5, their beneficiaries would a terminally ill insured person. The maximum loan amount is $250,000. receive their life insurance death benefit. In addition: Orphan Benefits • Up to $900 per month per orphan child under age 18, provided to the legal guardian upon the death • For esters Orphan Scholarships of both parents or sole surviving parent. could provide up to $72,000 in scholarships ($6,000 for each Community Grants Program • Apply online for up to $2,000 to help members organize volunteer activities to benefit their communities. eligible child eligible for 4 years). Emergency Assistance Program • For esters Orphan Benefits could • Emergency grants may be available to provide short-term, temporary financial assistance to members pay as much as $486,000 toward affected by significant personal hardship, disaster or large-scale emergency. the care of the children ($900 a Everyday Money & Legal Link1 month for each eligible child until • Toll-free access to two services. Accredited counselors can help with everyday money issues, that child turns 18). such as budgets and debt. Access complimentary or discounted legal services in many areas. Community and Volunteering That’s up to an additional Inspiring community activities $558,000 in benefits – just for • Make a meaningful and lasting impact in your community. Support family well-being through our being a Foresters member! community granting program and national partnerships. Fun Family Events • These events sponsored by Foresters, allow members to spend time with their family at sporting Ensure your clients register events, theme parks and more, at little to no cost. for myforesters.com to find out Volunteer Leadership more information regarding their • Through Foresters volunteer leadership opportunities; members may have access to personal member benefits. development, and social interaction. 1 Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. Third parties administer Legal Link, Everyday Money and Foresters Competitive Scholarships. 2 Foresters Competitive Scholarships is a competition for scholarships open to applicants meeting the eligibility requirements. Scholarship recipients will be selected from the completed applications submitted before the deadline date. This program is administered by International Scholarship and Tuition Services, Inc. 3 Terminally ill means there is a reasonable certainty of death within 12 months, as determined by a legally-qualified physician who can provide medical proof satisfactory to Foresters. Not available as a member benefit in New York, Illinois or on U.S. Accidental Death products. Products underwritten by The Independent Order of Foresters

Universal Life A flexible universal life insurance product that offers lifetime protection, non-medical Insurance1 and medical underwriting and potential for cash value accumulation. Death Benefit Level or Increasing Underwritten by The Independent Order of Foresters Definition of Non-Medical2 available up to $400,000 Guideline Premium Test (GPT) Life Insurance Medical as low as $100,000 for ages 16-70 Cash Value Accumulation Test (CVAT) Options Non-Medical Issue Age Common Carrier Accidental Death Rider 0-15 $10,000-$150,000 can provide an additional death benefit if 16-55 $25,000-$400,000 the insured dies of accidental injuries that 56-75 $25,000-$150,000 occurred while riding as a fare-paying passenger on a common carrier, such as Medical Band 1 a bus or a train. Issue Age Family Health Benefit Rider can pay a Face Amounts 0-15 $150,001-$499,999 benefit that can be used to pay some 16-70 $100,000-$499,999 Built-in 71-75* $50,000-$499,999 family health expenses that may occur as a * Benefits result of some natural disasters. 76-85 $25,000-$499,999 (at no additional Accelerated Death Benefit Rider3 provides Medical-Band 2 All Issue Ages – $500,000+ premium) an option to accelerate a portion of the eligible death benefit and receive a payment.4 * For Issue Ages 71-85: Preferred, Preferred Plus, Non-Tobacco Subject to eligibility criteria and state Plus, and Tobacco Plus are only available if the Face Amount is at least $100,000. variations, this rider can be issued with one or more of the eligible illnesses - Non-Medical Medical Critical Illness, Chronic Illness or Terminal Non-Tobacco Preferred Plus Non-Tobacco Illness. Tobacco Preferred Non-Tobacco Underwriting Juvenile (issue ages 0–15) Non-Tobacco Plus TM Foresters Financial guarantees that Classes Non-Tobacco the certificate will not lapse during the Tobacco Plus first ten certificate years, even if the cash Tobacco value is not sufficient to cover monthly Juvenile (issue ages 0–15) deductions as long as, on each monthly Waiver of Monthly Deductions Rider Minimum anniversary during that period, the sum of Disability Income Rider (Accident Only) Premium the premiums paid to that anniversary is Optional Riders Guaranteed Purchase Option Rider at least equal to the sum of the Minimum No-Lapse Accidental Death Rider Premium on the issue date plus the Guarantee Children’s Term Rider minimum premium on each monthly anniversary from the issue date, including Guaranteed the current monthly anniversary, plus the Minimum 3% total of all withdrawals as of the current Interest Rate monthly anniversary. Yes. Cash values are reduced by any outstanding Flexible premiums, payable to age 100 Cash Values loans (and accrued interest) and a decreasing Premiums Limited-pay premiums available surrender charge schedule for 15 years. Dump-ins and 1035 Exchanges Can be taken if the certificate is in effect and has a Ages 0-15 positive cash value. Interest is charged on the loan $17/monthly, $51/quarterly, at 5% annually, preferred loan rate (after the 7th Minimum $102/semi-annually, $204/annually Loans certificate anniversary) is charged at 3% annually. Premiums Ages 16-85 Death benefit payable will be reduced by outstanding $25/monthly, $75/quarterly, loan amount (unpaid amount borrowed plus interest). $150/semi-annually, $300/annually $500 minimum, available after the first certificate Issue Ages Non-Medical Medical Withdrawals anniversary, if cash value is available. Withdrawals may (age nearest birthday) 0-75 0-85 be taxable when the cost basis is exceeded.

• Non-Medical underwriting up to $400,000 Sales Focus • Medical underwriting as low as $100,000 for ages 16-70 • Face Amounts starting as low as $10,000 for juveniles ages 0-15 1 Foresters SMART Universal Life Insurance and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions and state variations. Refer to the Foresters SMART Universal Life Producer Guide and the insurance contract for your state for these terms and conditions. SMART UL is an illustrated product. 2 Insurability depends on answers to questions in the application and on the outcome of the underwriting review, based on underwriting requirements and guidelines. 3 This rider is not available for certificates issued with a base face amount of less than $20,000. On certificates where the insured’s issue age is higher than 75 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued. Not available in CA. 4 The payment, due to diagnosis of an eligible illness, may be less than the acceleration amount which may be subject to a fee, an actuarial discount amount and other applicable deductions. Payment will decrease certificate values and benefits.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

PRODUCER USE ONLY. 503345 US (04/17) Advantage Plus

Participating A participating whole life insurance product that offers lifetime death benefit protection Whole Life Insurance1 (to age 121), guaranteed cash values and lifetime guaranteed premium. Face amount plus accumulated Paid-up Non-Medical available up to $400,000 Death Benefit Additions and dividends on deposit minus Medical as low as $100,000 for ages 16-70 debt (exclusive of all other riders). Non-Medical Life Insurance Issue Age 20-Pay or Paid-up at 100 Options 0-15 $25,000-$150,000 16-55 $25,000-$400,000 Benefit Period Endowment at age 121 56-75 $25,000-$150,000 Common Carrier Accidental Death Rider Medical Band 1 may provide an additional benefit if death Issue Age is due to an accident or accidental injury Face Amounts 0-15 $50,000-$499,999 that happens while riding as a fare-paying 16-70 $100,000-$499,999 * passenger on a common carrier such as 71-75 $50,000-$499,999 * plane, bus, or train. 76-85 $25,000-$499,999 Family Health Benefit Rider may provide Medical-Band 2 Built-in Benefits a payment to help you cover some family All Issue Ages – $500,000+ health expenses (such as an ambulance (at no additional ride) that occur as a result of certain * For Issue Ages 71-85: Preferred, Preferred Plus, Non-Tobacco premium) natural disasters which include hurricanes, Plus, and Tobacco Plus are only available if the Face Amount tornados, and earthquakes. is at least $100,000. 2 Accelerated Death Benefit Rider may allow $6.30/monthly (PAC), $18.72/quarterly, you to receive a payment of a percentage of Certificate Fees $36.72/semi-annually,$72/annually the accelerated death benefit if the Insured is diagnosed with a covered illness which Monthly: 0.0875, Quarterly: 0.26, may include certain critical, chronic, and Modal Factors Semi-annually: 0.51, Annually: 1.00 terminal illnesses. Non-Medical Medical The Charity Benefit is a contractual Non-Tobacco Preferred Plus Non-Tobacco provision that provides an additional Tobacco Preferred Non-Tobacco Charity Benefit benefit equal to 1% of the face amount at Underwriting Juvenile (issue ages 0–15) Non-Tobacco Plus Provision time of death of the insured. The benefit is Classes Non-Tobacco payable to an eligible charity named as the Tobacco Plus beneficiary for the benefit. Tobacco Juvenile (issue ages 0–15) • Available as a 20-Pay or Paid-up at 100 • First Premium on PAC (FPOP) is available Paid-up Additions (PUA) Rider (underwritten to table F) 10-Year Term Rider • Cash on Delivery (COD) is only available 20-Year Term Rider Premiums where the coverage amount applied Accidental Death Rider for (face amount) and/or the Proposed Optional Riders Guaranteed Insurability Rider Insured’s age exceeds the limits of the Waiver of Premium Rider Temporary Insurance Agreement (TIA). Disability Income Rider (Accident Only) Monthly: $25 ($17 for Juveniles) Children’s Term Rider Quarterly: $75 ($51 for Juveniles) Minimum Cash values are guaranteed and vary based on Semi-Annual: $150 ($102 for Juveniles) Cash Values gender and tobacco status. Premiums Annual: $300 ($204 for Juveniles) (Excludes Paid-up Additions Rider payments) Can be taken if the certificate is in effect and has positive cash surrender values. Interest is charged 3 daily at the current Foresters US variable loan rate. Issue Ages Non-Medical Medical Loans 20-Pay 0-75 0-75 Death benefit payable is net of the outstanding (age nearest birthday) Paid-up at 100 0-75 0-85 certificate loan amount(s) (including accrued interest). Loans are non-direct recognition. Dividends are not guaranteed and vary by gender, band, smoker, preferred/standard, Partial Paid-up Additions can be surrendered for their cash Dividends and premium-pay period. Surrenders value ($500 minimum). Available dividend options are: • Paid-up Additions (PUA) • On deposit with interest (minimum 3.5% guaranteed) • To reduce premiums • Paid in cash

• Non-Medical underwriting up to $400,000 • PUA Rider provides additional coverage and cash value Sales Focus • Medical underwriting as low as $100,000 for ages 16-70 • Term Riders for additional low-cost coverage

1 Foresters Advantage Plus Whole Life Insurance and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions and state variations. Refer to the Foresters Advantage Plus Whole Life Producer Guide and the insurance contract for your state for these terms and conditions. Advantage Plus is an illustrated product. Underwritten by The Independent Order of Foresters. 2 Not available in CA. 3 Insurability depends on answers to health and lifestyle questions and an underwriting review.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC. 503403 US (08/17) PlanRight Level, guaranteed premium whole life insurance. Three types of coverage – one that can Whole Life immediately pay a full death benefit (Level) and two that provide a limited benefit (Graded Insurance1 and Modified) in the first two years, and can provide a full death benefit thereafter.

Level Graded Modified Death Benefit2,4 Based on4 100% of face For years 1 and 2 based on4, the greater of: Year 1: Based on4 Premium amount in effect 1. Return of Premium (ROP) plus 4.5% annual paid plus 10% annual interest5 or; interest5 2. In year 1 - 30% of the face amount in effect. Year 2: Based on4 Premium In year 2 - 70% of the face amount in effect. paid plus 10% annual In year 3+ - full death benefit payable interest5 Year 3+: Full Death Benefit Riders Accidental Death Rider Accidental Death Rider not available Accidental Death Rider available (issue ages 50-80) not available Common Carrier Accidental Common Carrier Accidental Death Rider Common Carrier Accidental Death Rider included at included at no additional cost Death Rider included at no no additional cost additional cost Premiums Level, payable to age 121 Minimum Premiums $10/month Issue Ages 50-85 50-85 50-80 (age last birthday) Minimum Face Amount $2,0006 Maximum Face Ages 50-80: $35,000 Ages 50-80: $20,000 Ages 50-80: $15,000 Amounts Ages 81-85: $15,000 Ages 81-85: $10,000 Ages 81-85: N/A Certificate Fee $36 annually, subject to modal factors (commissionable) Modal Factors Monthly: 0.0875, Quarterly: 0.26, Semi-Annually: 0.51, Annually: 1.00 Underwriting Classes7 Non-Tobacco & Tobacco Cash Values Available (on full surrender only) Loans3 Available Underwritten by The Independent Order of Foresters

• Face amounts range from $2,000 to $35,000 • Plan eligibility determined at point of sale8 Sales Focus • No medical exam, no blood • Personal Health Interviews (PHIs) available 7-days-a-week • Complete in the comfort of the client’s home

1 Foresters PlanRight Whole Life Insurance and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions and state variations. Refer to the Foresters PlanRight Whole Life Producer Guide and the insurance contract for your state for these terms and conditions. 2 For PlanRight – Graded and Modified, the Death Benefit is 100% of the face amount plus unearned premium minus debt in the event of accidental death during the first two years. 3 Each outstanding certificate loan amount will be deducted from the Death Benefit. 4 Unearned premium will be added and debt subtracted from the applicable amount in calculating the death benefit. Debt includes each outstanding certificate loan amount and unpaid premium owed during the grace period before lapse. 5 Interest is compounded annually and is accrued on a daily basis to the date of death. 6 Minimum face amount to qualify for certain non-contractual member benefits is $10,000, Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. 7 Ratings do not apply on the PlanRight plans. 8 Insurability depends on answers to questions in the applications and on the outcome of the underwriting review, based on underwriting requirements and guidelines.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

PRODUCER USE ONLY. 503294 US (05/16) Your Term Level Term Life Insurance1

Guaranteed level term life insurance available Monthly: $6.13 Description on a non-medical2 and medically underwritten Quarterly: $18.20 basis. Semi-Annual: $35.70 Certificate Fees Annual: $70.00 10-, 15-, 20-, 25-, 30-year terms available for all Term Lengths underwriting classes. (Certificate fees are commissionable on non-medical underwriting classes only) Level and guaranteed for the entire initial term. After the initial term period, coverage may be Monthly: 0.0875 Quarterly: 0.26 Death Benefit continued on an annual renewable term to age Modal Factors 100. Evidence of insurability is not required to Semi-Annual: 0.51 renew coverage. Annual: 1.00 Level and guaranteed for the entire initial term. Owner can convert base term coverage to a new After the initial term period, coverage may be Foresters FinancialTM permanent life insurance certificate Premiums continued at annual renewable rates to age 100. without requiring evidence of insurability. Term Evidence of insurability is not required to renew Conversion certificate must be converted prior to the earlier of: coverage. • The end of the initial term period less five years, or • The certificate anniversary on which the Insured is Monthly: $10 age 65. Minimum Quarterly: $30 Premium Semi-Annual: $60 The Charity Benefit is a contractual provision that Annual: $120 Charity Benefit provides an additional benefit equal to 1% of the face amount at time of death of the insured. The benefit is All Underwriting Classes Provision payable to an eligible charity named as the beneficiary Term Non-Tobacco Tobacco for the benefit. Issue Ages 10-year: 18-80 18-80 Accelerated Death Benefit Rider3 may allow you to (age nearest birthday) 15-year: 18-70 18-70 receive a payment of a percentage of the accelerated 20-year: 18-65 18-60 death benefit if the Insured is diagnosed with a 25-year: 18-60 18-55 covered illness which may include certain critical, 30-year: 18-55 18-50 chronic, and terminal illnesses. Common Carrier Accidental Death Benefit Rider may Ages Non-Medical Medical Built-in Riders provide an additional benefit if death is due to an 18-55: $50,000 - $400,000 $100,000 & up (automatically accident or accidental injury that happens while riding Face Amounts 56+: $50,000 - $150,000 $100,000 & up included for no as a fare-paying passenger on a common carrier such additional premium) ($10,000,000 and over subject to Head Office as plane, bus, or train. approval.) Family Health Benefit Rider may provide a payment Non-Medical Medical to help you cover some family health expenses (such as an ambulance ride) that occur as a result of certain Non-Tobacco Preferred Plus Non-Tobacco natural disasters which include hurricanes, tornados, Tobacco Preferred Non-Tobacco Underwriting and earthquakes. Classes Non-Tobacco Plus Non-Tobacco Additional Disability Income Rider (Accident Only) Tobacco Plus Disability Income Rider (Accident & Sickness) Tobacco Riders Waiver of Premium Rider (available for Accidental Death Rider additional premium) Children’s Term Rider

Non-medical underwriting up to $400,000 • Available on 10-, 15-, 20-, 25-, and 30-year terms Sales Focus • No medical exams, no fluids, no APS, no routine Personal Health Interviews (PHIs) no coverage justification Speed to issue4 • iGo e-App4 process for non-medical applications • In Good Order applications • Point-of-Sale eligibility decisions in under 10 minutes

1 Foresters Your Term Level Term Life Insurance and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the Foresters Your Term Producer Guide and the insurance contract for your state for these terms and conditions. Underwritten by The Independent Order of Foresters. 2 Insurability depends on answers to health and lifestyle questions and an underwriting review. 3 Accelerated Death Benefit Rider not available in CA. 4 e-App is available in all states through the iPipeline iGO e-App platform using Internet Explorer (desktop/laptop) or Safari (Apple iPad only) for Foresters non-medical products (excluding Foresters PlanRight and Foresters Prepared). POS decision will be unavailable Monday to Saturday from 2:00 a.m. to 6:00 a.m. and from Saturday 10:00 p.m. to Sunday 10:00 a.m. (EST). Some e-App features are not available in NY (refer to ezbiz, Toolbox/e-App section for more details). This product is a life insurance policy that accelerates the death benefit on account of chronic illness and is not a health insurance certificate providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership Program and is not a Medicare supplement certificate. Receipt of the accelerated death benefits may affect eligibility for public assistance programs and may be taxable.

Accidental Death Foresters Prepared Accidental Death Term Insurance is a simple and low cost way to help Term Insurance1 your clients protect their family from financial hardship in the event of an accidental death.

$50,000 - $300,000 Issue Face Note: The total accidental death term insurance Payable Paid to beneficiary if insured dies within 180 days coverage from all in force Foresters accidental from an accidental bodily injury. Amount Limits Death Benefit death coverage cannot exceed $300,000.

Non-cancelable – the certificate, excluding riders, cannot be canceled by Foresters Certificate Fees $5.50/monthly, $16.50/quarterly Guarantees FinancialTM if premiums are paid as due. (commissionable) $32/semi-annually, $60/annually The premium rate is guaranteed to remain level and unchanged for the life of the certificate.

Monthly: 0.091667, Quarterly: 0.275000 Payable to age 75 Modal Factors Premiums Semi-annually: 0.533333, Annually: 1.00 Rates vary by age band and gender

Underwriting Simplified Issue (non-medical2 basis) Minimum $10/monthly, $30/quarterly Classes Sub-standard is not available Premiums $60/semi-annually, $120/annually

Disability Income Rider (Accident Only) Issue Ages Optional Riders Waiver of Premium Rider (Accident Only) 18 - 60 Return of Premium Rider3 (age last birthday)

The expiry date is the certificate anniversary on Underwritten which the insured is age 75. The Independent Order of Foresters Expiry Date by Note: The certificate may end before the certificate expiry date.

• Simplified Issue up to $300,000 • Only a few health and lifestyle questions, no exams, no fluids, Sales Focus no APS, no routine Personal Health Interviews (PHIs) • Non-cancelable

1 Foresters Prepared Accidental Death Term Insurance and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions and state variations. Refer to the Foresters Prepared Accidental Death Term Producer Guide and the insurance contract for your state for these terms and conditions. 2 Insurability depends on answers to questions in the application and on the outcome of the underwriting review, based on underwriting requirements and guidelines 3 In some states the Return of Premium Rider is a mandatory rider and will automatically be included, at an additional cost, on all Prepared contracts issued in those states.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. PRODUCER USE ONLY. 503376 US (05/16) Foresters our shared strength A careful guardian of our members’ interests Foresters FinancialTM maintains a strong financial position, with assets of $13.4 billion CAD, liabilities of $11.3 billion CAD and a surplus of $2.1 billion CAD.1 The independent rating agency A.M. Best has given The Independent Order of Foresters an “A” (Excellent) rating for excellent balance sheet strength and operating performance for 17 consecutive years. We focus on strong operational performance, careful management and a conservative investment strategy. Our financial strength has enabled us to weather even the worst business and market conditions. Like all life insurance providers, Foresters is monitored by federal and state regulators, who can take action when there are solvency concerns.

As well, in the US, the National Association of Insurance Commissioners’ (NAIC) Risk-Based Capital (RBC) guidelines limit the amount of risk insurers can take and require insurers to maintain enough capital to meet their obligations to policyholders. Foresters RBC ratio exceeds the NAIC guidelines.

Where solvency becomes an issue, State Guaranty Associations offer policyholders some protection. These associations were created by state legislation and funded by Foresters is an international financial services participating insurers. The Independent provider, with members in the US, Canada and the Order of Foresters, as a fraternal benefit UK. We believe in enriching lives and building strong society, is not a member of State Guaranty communities – that’s our purpose. It has defined us Associations, and has no obligation to pay since 1874, and it helps us continually redefine what assessments to deal with the insolvency of a financial services provider can do for you and your other insurers. Instead, The Independent family. We’re not a faceless institution. We stand for Order of Foresters can continue to invest to fund Foresters liabilities, provide benefits of membership to our something more. Foresters is an active part of your members and help the communities in which they live. In the life, at every stage. event the reserves of a class of certificates become impaired, Foresters members may be subject to a special assessment to Assets Liabilities Surplus “A” maintain reserves. However, Foresters has assessed members only once in 1913 for certificates issued before 1898. $13.4 $11.3 $2.1 A.M. Best billion1 billion1 billion1 rating2

Foresters has a history of sharing its financial success. In 2016, In 2002, Foresters waived the requirement for members to Foresters invested more than $27.5 million in member benefits3 pay membership fees – a value of approximately $40-million that support our members and their communities. to members. And, in 1973, to celebrate Foresters 100th anniversary, the annual dividend was increased by 50% and Since 2006, Foresters has invested over $13 million with paid in cash value. KaBOOM!, the national non-profit dedicated to saving play. By 1 Consolidated financial results as at December 31, 2016. All figures in Canadian dollars. the end of 2017, Foresters and KaBOOM! will have built over The surplus comprising assets of $13.4 billion and liabilities of $11.3 billion represents 144 new playgrounds across the US and Canada. Imagine, excess funds above the amount required as legal reserves for insurance and annuity certificates in force and provides additional assurances to our members for our long over a 15-year lifespan, these playgrounds will give more than term financial strength. Financial strength refers to the overall health of The Independent 5.2 million children and their families an opportunity to spend Order of Foresters. It does not refer to nor represent the performance of any particular quality time together. investment or insurance product. All investing involves risk, including the risk that you can lose money.

2 The A.M. Best rating assigned on September 1, 2017 reflects The Independent Order Foresters, like Ronald McDonald House Charities® (RMHC®), of Foresters overall strength and claims-paying ability but does not apply to the believes that families are stronger and healthier when they performance of investment products. An “A” (Excellent) rating is assigned to companies are together. That’s why for over the past decade, Foresters that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business members have supported over 30,500 RMHC families by profile when compared to the standards established by A.M. Best Company. A.M. Best organizing over 635 activities at local Ronald McDonald assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being Houses® across North America. Beyond financial contributions, excellent ratings. See ambest.com for our latest rating. 3 Descriptions of member benefits that you may receive assume that you are a Foresters these activities provide families with a sense of fun and comfort Financial member. Foresters Financial member benefits are non-contractual, subject to during an extremely stressful time. benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. For details about membership and its benefits, visit foresters.com. In addition, Foresters members received a $25-million special 4 This program is administered by International Scholarship and Tuition Services, Inc. dividend in 2007 in the form of waiving premiums and/or Ronald McDonald House Charities, RMHC, Ronald McDonald House, Ronald McDonald providing additional death benefits on some older certificates. Family Room, and Ronald McDonald Care Mobile are all registered trademarks of McDonald’s Corporation or its affiliates and are used with permission.

In 2016 alone: Invested over $27.5 million $5.4 million in delivering member benefits was granted through Foresters and community activities Community Grants to help members organize volunteer Awarded Foresters activities and fun family events 128,080 members $2.5 million and family members supported in funding for Foresters local charities Competitive Scholarships4 503515 US (10/17)