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Member Benefits included with Each Certificate at No Additional Cost

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                                         1) Critical Illness Benefit ($4,000)
                                         2) Terminal Illness Benefit (75%)
                                         3) 350 Scholarships awarded annually to children of policyholders
                                         4) Orphan Benefits
                                                               a) $300 per month per child
                                                               b)Scholarship Benefit - $6,000 per year for 4 years

 Also Included At No Additional Cost with Every Certificate
  1) Family Health Insurance Rider   
  2) Common Carrier Accidental Death Benefit
New - Smart UL
Non Med to $250,000
Table 4 Standard underwriting
Low minimum face $25,000
Ages 0-70
10 year no lapse guarantee based on minimum premium
Paid & free riders available

Get another winning Foresters non-med product! You and your clients are going to love the new Foresters SMART Universal Life. And, SMART will be available in all states.

SMART UL is a great option for both life insurance protection and savings potential – whether it's for retirement planning, saving for a child's education and estate preservation. Check out these great features:

  • Up to $250,000 non-med coverage
  • Family Heath Benefit and Common Carrier Accidental Death riders at no additional cost
  • Opportunity for solid cash accumulation growth
  • No-lapse Guarantee for the first 10 years
  • Optional riders to protect coverage during total disability due to accident
Plan Right--Final Expense

Competitive Rates

Customer Friendly Application

Underwriting Decision at Point of Sale

Modified, Graded, and Immediate Death Benefit Options

Plan Right Sales Presentation

 LifeFirst Term
 Non Med 20/30 Year Term Plans
No Exam, No Blood, No HOS
Up to Table 4 issued Standard

With and Without Return of Premium
 Maximum Non Med Face Amount
 Ages 18-55    Up to $250,000
 Ages 56+       Up to $150,000 
Medically Underwritten Term also Available
                                                   Additional Riders to Customize LifeFirst Term Plan

1)       Critical Illness Rider ($250,000 or 75% of Base Face)

2)       Disability Income Rider (Accident Only)

3)       Waiver of Premium Rider

4)       Children’s Term Rider

5)       Accidental Death Rider (100% of Base Face up to $300,000)


BIG Universal Life


View Big UL Video

A no-lapse guarantee Universal Life designed to offer lifelong protection to your clients


An innovative product designed to deliver up to twice the face amount in the first 15 years at no additional cost