Foresters is not your traditional life insurance provider. We are not driven by the demands of outside investors. Instead, we are a membership-based fraternal benefits organization.


We invest in our members, their families and their communities.


Foresters products at a glance


•Foresters PlanRight –

  Permanent whole life coverage that can

  be used to help cover final expenses.

•Foresters SMART Universal Life –

  Permanent coverage, with flexibility

  and long-term growth potential.

•Foresters Prepared –

  Accidental death term life

  insurance to age 75.

•Foresters Advantage Plus -

  Permanent coverage, with guaranteed

  premiums and death benefits, and the

  potential for dividends and

  accumulation of cash value.

•Foresters Lifefirst and Strong Foundation

  Term life insurance provides affordable,

  temporary protection. You choose the

  initial term and your premiums remain the

  same during that period of time.

Optional riders are available on many products – Including accidental disability income, children’s term insurance, accidental death and more.



No changes to the PlanRight application
Foresters Financial Memo
Foresters Financial Logo
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The new PlanRight rates are effective as of today, April 25, 2016.

Foresters FinancialTM continues to be committed to the Final Expense market and PlanRight1 continues to be a key part of our product portfolio.

The application is not changing (applications with either the Foresters Financial or Foresters logo can be used).

We are dedicated to maintaining our current strong service by providing decisions within minutes and processing In Good Order applications the same or next day.

Visit ezbiz (login required) to access the following updated tools:

Rate Book is now available for ordering.
Go to Forms and Brochures on ezbiz and search item code 503270 US (04/16)
Rate Table is now available on ezbiz.

PlanRight Quote Tool
Updated Web version is available.
PlanRight Brochures with Foresters Financial logos are being updated and available for ordering through Forms and Brochures on ezbiz.
Mobile Quotes
Can be accessed with URL:
Transition dates

For PlanRight applications signed and dated prior to April 25, 2016, the old rates will apply. For those signed on or after April 25, the new rates apply. Existing rules regarding stale dated applications will apply - applications dated prior to April 25 must be received within 45 days of the application sign date.
Here is what you need to know

It is important for us to review our products and make adjustments as required to keep our products current and sustainable. On April 25, 2016 we are changing PlanRight rates for the first time since August 2012 (almost 4 years). Here is what you need to know:
  • PlanRight remains competitive, with premiums for non-tobacco users in all cells continuing to stay in the 1st or 2nd quartiles
  • PlanRight Level rates for male non-tobacco and most female non-tobacco will increase between 2.1% to 7.1%
    • PlanRight Level rates for male non-tobacco ages 60 to 75 will range from 2.5% and 6.2% and female non-tobacco issue ages 60 to 75 will range from 2.3% to 4%
  • PlanRight Level rates for tobacco users will increase between 2.4% to 9.8%
  • PlanRight Graded rates will see minimal increases and PlanRight Modified will not change
Here is an example of the rate increases in the age bands of 60 and 65:

Age Male Female
Increase NTIncrease T Increase NTIncrease T
60 2.5%4.9% 2.5%3.0%
65 6.1%5.2% 2.3%5.8%
PlanRight is important for our mutual success and we look forward to your continued sales support. .
Call Sales Support For more information, please call
Foresters Sales Support at 866 466 7166, option 1
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1 Underwritten by The Independent Order of Foresters.
For Producer Use Only 413665 US (04/16)

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





fax: 866.300.3830

   Attn: New Business include voided check


mail: Foresters

   Attn: New Buisness

   PO Box 179

   Buffalo, NY 14201


   APPS: or 800.727.2101

   EMSI: 800.872.3674

   Portamedic: or


   ExamOne: or 800.765.2058



PO Box 179

Buffalo, NY 14201




   phone: 866.466.7166 (option 1)


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