Foresters getting more out of life Foresters Financial and - PowerPoint PPT Presentation

Foresters getting more out of life Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefjt society, 789 Don Mills 412397 US (04/15) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. Road, Toronto, Canada M3C 1T9. FOR PRODUCER USE ONLY

This presentation is intended to accompany a live presentation by a licensed insurance agent. It highlights features of Foresters Advantage Plus Whole Life Insurance but does not provide full product details. Prospective purchasers should consult their licensed insurance agent details, limitations and conditions that may apply. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Why Foresters Advantage Plus? • Lifetime death benefjt protection (to age 121) • Guaranteed cash values • Potential to earn dividends 1 • Guaranteed premiums • Two payment options: 20-pay or pay to 100 • Tax advantages 2 1 Dividends are expected but not guaranteed 2 Foresters, their employees and life insurance representatives, do not provide legal or tax advice. The information given here is merely a summary of our understanding of current laws and regulations. Prospective purchasers should consult their tax or legal advisor. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Is Advantage Plus flexible enough to meet my needs? It sur e is! With optional coverage available, it can meet a wide range of needs 3 . 10- and 20-year term riders Accidental Death Rider for short term needs • Mortgage protection • Can provide additional coverage in case of • Lifestyle protection accidental death • Income replacement 3 Foresters products and their riders may not be available or approved in all states. Ask your life insurance representative for the details, limitations and conditions that may apply. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

More options to choose from W aiver of Premium Rider Disability Income Rider Children’s Term Rider (Accident Only) May pay your premiums May pay you a monthly Provides level term life if totally disabled and benefjt if totally disabled insurance coverage for unable to work at your and unable to work at each child own occupation your own occupation Foresters products and their riders may not be available or approved in all states. Ask your life insurance representative for the details, limitations and conditions that may apply. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

There are even built-in insurance benefits at no additional cost Common Carrier Accidental Death Rider Family Health Benefit Rider Can pr ovide an additional death benefjt Can pay a benefjt that can be used to if the insured dies of accidental injuries pay some family health expenses that that occurred while riding as a fare-paying may occur as a result of some natural passenger on a common carrier, such as a disasters such as hurricanes, tornadoes bus, plane or a train. and earthquakes. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

More coverage included at no additional cost Accelerated Death Benefit Rider 4 Can cover chr onic, critical and terminal illness Why is this important? As an example,about 80% of older adults have at least one chronic disease, and 68% have at least two 5 4 Accelerated Death Benefjt Rider is subject to the terms and conditions of the applicable state rider. State variations may apply. This rider is not available for certifjcates issued with a base face amount of less than $25,000. On certifjcates 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. 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 certifjcate values and benefjts. Not available in CA. 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 benefjts may afgect eligibility for public assistance programs. Receipt of the accelerated death benefjts may be taxable 5 Source: http://www.ncoa.org/improve-health/center-for-healthy-aging/chronic-disease/ Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

How can I use the certificate cash value? A vailable loans from the dividend cash value 6 For example, to help fund you children’s education, you could use the insurance as collateral for a certifjcate loan You can withdraw from the dividend cash value 6 Dividends used to purchase paid-up insurance can be withdrawn to supplement your retirement income 6 Dividends are expected but not guaranteed. Dividend withdrawals or loans will reduce the death benefjt and cash values and may afgect how long the insurance contract is in efgect. For loans, interest is charged daily at the current Foresters U.S. variable loan rates. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Dividends can give you additional flexibility Although not guaranteed, Foresters may pay dividends on Advantage Plus You have several dividend options: • Use them to buy additional paid-up insurance • Leave them on deposit with a minimum guaranteed interest of 3.5% • Use them to reduce your premiums • Take them in cash Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Applying is simple • Complete an easy-to-understand application and you could be eligible for life insurance coverage • Remember, the younger and healthier you are, the lower your premiums may be 7 7 Insurability depends on answers to questions in the application and on the outcome of the underwriting review based on undewriting requirements and guidelines. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Thank you! Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

This presentation is provided for information purposes only; it does not form part of the Foresters Advantage Plus Whole Life participating life insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Refer to the Foresters Advantage Plus Whole Life contract for your state for these terms and conditions, Life insurance contracts are issued by The Independent Order of Foresters, a fraternal benefjt society. Foresters Advantage Plus and its riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent. Foresters Advantage Plus and its riders are fjled under the form numbers listed below. Foresters Advantage Plus: WL-NYOl-2013 Accidental Death Rider: WL-ADR-NYOl-2011 Term Rider: WL-TR-NYOl-2012 Single Payment Paid-Up Additions Rider: WL-SPUAR-NYOl-2012 Flexible Payment Paid-Up Additions Rider: WL-FPUAR-NYOl-2012 Children’s Term Rider: WL-CTR-NYOl-2011 Guaranteed lnsurability Rider: WL-GIR-NYOl-2011 Waiver of Premium Rider: WL-WPR-NYOl-2011 Accelerated Death Benefjt Rider (for Chronic, Critical and Terminal Illness): TRAD-ABRCHCRTI-NYOl-2015 Accelerated Death Benefjt Rider (for Critical and Terminal Illness): TRAD-ABRCRTI-NYOl-2015 Accelerated Death Benefjt Rider (for Terminal Illness): TRAD ABRTI-NYOl-2015 Products underwritten by the Independent Order of Foresters. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters 412397 US (04/17) (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.