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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. 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. NM157 FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC. 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.
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