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  • Slide 1
  • Slide 2
  • Agenda Who is Foresters TM Foresters Advantages Product line-up Foresters is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark. 407967 US (08/12) Producer Use Only
  • Slide 3
  • I want a special insurance carrier
  • Slide 4
  • Who is Foresters Financial strength Fraternal nature Community involvement 407967 US (08/12) Producer Use Only
  • Slide 5
  • Foresters financial strength, as measured by A. M. Best Company, is rated A (Excellent) and has been for the past 12 years. 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. In assigning Foresters rating on July 06, 2012, A.M. Best stated that the rating outlook is "stable", which means it is unlikely to change in the near future. See ambest.com for our latest ratings.ambest.com Financial Strength 407967 US (08/12) Producer Use Only
  • Slide 6
  • Foresters continues to maintain its strong financial position. Assets of $8.588 billion CDN and liabilities of $7.144 billion CDN. Foresters conservative investment strategy has resulted in a strong surplus of $1.444 billion CDN and the ability to withstand adverse business and market conditions. Solvency ratios are beyond the local regulatory requirements and above industry averages in all three countries of business. Ratings and figures current as of Dec. 31, 2011 Financial Strength 407967 US (08/12) Producer Use Only
  • Slide 7
  • How are Fraternal Benefit Societies different from other life insurance carriers? Our customers are our members and apply for membership in the application Share a common bond Non Denominational Fraternal Concept: People helping People Not subject to tax but Foresters is expected to spend the equivalent for the benefit of members and their communities A Difference Maker 407967 US (08/12) Producer Use Only
  • Slide 8
  • In 2011, over $48 million was raised for Childrens Miracle Network hospitals in the United States and Canada. Foresters role as founding sponsor and international underwriter of Childrens Miracle Networks Radiothon means 100% of funds stayed in the community. Since 1990, Foresters has helped raise almost half a billion dollars for Childrens Miracle Network. A Difference Maker 407967 US (08/12) Producer Use Only
  • Slide 9
  • 503349 US (10/11) Proof Points 407967 US (08/12) Producer Use Only
  • Slide 10
  • The Foresters Difference Playground Builds Since 2006, Foresters has built or planned nearly 100 KaBOOM! playgrounds, thanks to the volunteer efforts of Foresters members, independent producers and local community partners. These playgrounds will eventually serve over 1,000,000 children and families, providing them with a safe place to play, learn and spend time together across North America. Playground Builds 407967 US (08/12) Producer Use Only
  • Slide 11
  • Recent disaster relief granted by Foresters: Seattle Flooding January/09 Fargo/Bismarck Flooding March/09 Mississippi Tornadoes April/10 East Coast Hurricane Irene August/11 Texas Wildfires September/11 Florida Flooding June/12 Colorado Wildfires June/12 Emergency Assistance 407967 US (08/12) Producer Use Only
  • Slide 12
  • Illustration Requirements Process Point-of-Sale (POS) Eligibility Benefits of Membership Training Support Foresters Sales Support Producer Convention Foresters Advantages 407967 US (08/12) Producer Use Only
  • Slide 13
  • Foresters illustration process allows your producers to get paid faster on our illustrated products. If there are no certificate delivery requirements, other than obtaining a signed illustration, Foresters will now release compensation on certificates that are mailed direct to the client, provided that the prospective Owner has completed and signed an Illustration Certification Form (form 101274 US 05/11 or the applicable state variation). Not available in New York state (must produce signed illustration with application submission) Illustration Requirements 407967 US (08/12) Producer Use Only
  • Slide 14
  • How it works: Once the certificate is issued, the Certificate Issue Package will include: >The illustration of the issued certificate >An additional copy of the numeric summary page >A postage-paid, self-addressed return envelope >Instructions to the Owner Illustration Requirements 407967 US (08/12) Producer Use Only
  • Slide 15
  • How it works: The instructions will ask the certificate owner to review the illustration, sign the additional copy of the numeric summary page and return it to Foresters in the enclosed envelope. The producers signature is not required on the illustration using this method of delivery and compensation can be released once the certificate is mailed to the Owner. Illustration Requirements 407967 US (08/12) Producer Use Only
  • Slide 16
  • Access Foresters quotes for Lifefirst, Advantage Plus Whole Life and PlanRight products right from your mobile phone. There is no "app" to download. You simply go to a regular website from your mobile browser, using any type of smart phone, whether it's an iPhone , Blackberry , iPad , or Android device. To access the new mobile quoting site, just point your browser to www.forestersquotes.com. www.forestersquotes.com Mobile Quoting 407967 US (08/12) Producer Use Only
  • Slide 17
  • Point of sale underwriting eligibility available on all non-med products Producers potentially get paid faster! Imagine a sale where the application process is easy and painless! Foresters has real-time eligibility decisions for our non-med SMART UL, Advantage Plus Whole Life, Term & PlanRight. Decision Express 407967 US (07/12) Producer Use Only
  • Slide 18
  • It's so easy. Complete the application in full in your client's home While in your client's home, call Apptical at 866 844 9276 and follow the simple 15- to 20-minute process to determine your client's medical eligibility Send in the application (regardless of the decision) and all other applicable forms to Foresters Decision Express 407967 US (07/12) Producer Use Only
  • Slide 19
  • It's so easy. If approved, we'll issue the certificate in as little as four business days for SMART UL, Whole Life and Term and two days for PlanRight Your producers get paid when we mail the certificate to your client Apptical provides fast, reliable service 7 days a week >Monday to Friday, 8:30 am to Midnight (ET) >Saturday and Sunday, 10:00 am to 4:00 pm (ET) Decision Express 407967 US (07/12) Producer Use Only
  • Slide 20
  • Member Benefits Benefits available to all eligible insureds, as Foresters members: Competitive Scholarships Terminal Illness Loan Orphan Benefits Everyday Money Legal Link Foresters members include insureds under Foresters certificates. Members immediate family members may also be eligible to apply for certain member benefits. Foresters member benefits are non-contractual, subject to benefit-specific eligibility requirements and limitations, and may be changed or canceled without notice. 407967 US (07/12) Producer Use Only
  • Slide 21
  • Not available in NY & IL or on accidental death products Interest-free loan Up to 75% of the net face amount of Foresters Life insurance up to a maximum of $250,000 Definition of terminal illness: Reasonable certainty of death within 12 months as determined by a legally qualified Physician who can provide medical proof satisfactory to Foresters Terminal Illness Loan 407967 US (08/12) Producer Use Only
  • Slide 22
  • Orphan monthly payment $900 per month per child to age 18 The benefit starts one month after the child of a member becomes an orphan The benefit ends when the child reaches age 18, gets married, is self-supporting, receives a scholarship grant or leaves school Orphan Benefit 407967 US (08/12) Producer Use Only
  • Slide 23
  • Orphan Scholarship member benefit One parent - $1,500/year Single parent - $3,000/year Both parents - $6,000/year Renewable for up to 4 years Competitive Scholarship member benefit Up to 350 scholarships each year across North America $2,000 per year for up to 4 years Foresters Scholarships 407967 US (08/12) Producer Use Only
  • Slide 24
  • Member Benefits For Helping Generations Suppose two parents with three small children (turning ages 1, 3,and 5) pass away Foresters could pay death benefits Foresters would also pay the Orphan Benefit to the legal guardian of the orphaned children Member BenefitBenefit Amount Orphan BenefitsUp to $486,000 Orphan Scholarship Up to $72,000 Total Benefits $558,000 Foresters members include insureds under Foresters certificates. Members immediate family members may also be eligible to apply for certain member benefits. Foresters member benefits are non-contractual, subject to benefit-specific eligibility requirements and limitations, and may be changed or canceled without notice. 407967 US (08/12) Producer Use Only
  • Slide 25
  • Toll-free and confidential phone-based financial helpline. This service may help reduce the stress involved with financial decision-making. This benefit is designed to help with other areas of a members financial life and will not involve the sale of, or recommendations on, any financial products. Everyday Money 407967 US (08/12) Producer Use Only
  • Slide 26
  • Legal Link offers members access to free and discounted legal services in their area. Call to connect with lawyers from across North America for help with a variety of issues including wills, home ownership and family law. Legal Link 407967 US (08/12) Producer Use Only
  • Slide 27
  • Prospecting Brochure 407967 US (08/12) Producer Use Only
  • Slide 28
  • Dedicated training section on the producer website New Agent Webinars every 3 weeks Product Webinars Special Topic Webinars Advanced marketing Point-of-Sale Eligibility Illustration support and processes Reinstate-with-Redate Comprehensive Training 407967 US (08/12) Producer Use Only
  • Slide 29
  • Do you have producers who are ready to expand into Advanced Markets? When you've got large, complex, or a unique case, call Foresters Advanced Marketing, we're here to help. Foresters Advanced Marketing department offers collateral marketing pieces that provide simple, summary explanations of advanced sales strategies, educational webinars and seminars and phone support for complex and large cases. Advanced Marketing 407967 US (08/12) Producer Use Only
  • Slide 30
  • Advanced Marketing 407967 US (08/12) Producer Use Only
  • Slide 31
  • Foresters Sales Support Live Voice Illustration Support Navigate Foresters Product Inquiries Forms and collateral 407967 US (08/12) Producer Use Only
  • Slide 32
  • A single point of contact with Foresters. A live voice for all your pre-sales questions. Assistance with running illustrations, ordering materials and navigating our website. Proactive outbound calls to keep producers informed on new materials, new products & concepts. What does this mean to you? 407967 US (08/12) Producer Use Only
  • Slide 33
  • To deliver personalized service and sales support. Dedicated internal wholesalers that provide agents with a prompt, accurate and efficient experience. Strive for one-call resolution on all pre-sales needs. Team support 407967 US (08/12) Producer Use Only
  • Slide 34
  • 1-866-466-7166 Option 1 Monday to Friday-8:30 am-7pm EST Setting the standard in Sales Support! Answering the call 407967 US (08/12) Producer Use Only
  • Slide 35
  • Minimum Qualifications Producer78,000 Destination Credits and 12 new life cases - 1 invitation (+ guest) MGA300,000 Destination Credits and must have a minimum of 1 downline qualifier. 1 invitation (+ guest). One additional invite (+ guest) for each 300K of Destination Credits up to maximum of 2 additional invites IMO400,000 Destination Credits - 1 invitation (+ guest). One additional invite (+ guest) for each 400K of Destination Credits up to maximum of 4 additional invites Destination 2013 subject to eligibility requirements Interlaken, Switzerland May 2228, 2013 407967 US (08/12) Producer Use Only
  • Slide 36
  • VIP Pre-Trip Bonus - Lake Como Top qualifiers will be eligible for a 3 day package at Lake Como prior to the main Destination 2013 trip. Destination 2013 subject to eligibility requirements Producer8 qualifiers MGA1 qualifier IMO3 qualifiers 407967 US (08/12) Producer Use Only
  • Slide 37
  • I want a competitive portfolio of products
  • Slide 38
  • Non-med market Lifefirst Level Term life Advantage Plus Par Whole Life SMART Universal Life Fully-Underwritten market Lifefirst Level Term Life Advantage Plus Whole Life Final Expense planning PlanRight Whole Life Insurance Niche markets Accidental Death Term Insurance Product Portfolio 407967 US (08/12) Producer Use Only
  • Slide 39
  • Non-med limits AgesLifefirst Maximum SMART UL Advantage Plus Maximum 0-15$0$150,000 15-18$0$250,000 19-50$250,000 51-55$200,000$250,000 56+$150,000 407967 US (08/12) Producer Use Only
  • Slide 40
  • Foresters Advantage Plus Whole Life
  • Slide 41
  • Advantage Plus Whole Life A participating whole life product which will provide for lifetime death benefit protection (up to age 121), guaranteed cash values and lifetime guaranteed premium* *Exception-Disability income coverage 407967 US (08/12) Producer Use Only
  • Slide 42
  • Advantage Plus Whole Life Ages 30-50 looking for long term cash value growth Ages 50-70 looking for guaranteed premium* and a death benefit Middle Income Market Want lifetime life insurance protection (up to age 121) Want cash value accumulation potential Non-medical or medically underwritten plans *Exception-Disability income coverage 407967 US (08/12) Producer Use Only
  • Slide 43
  • Advantage Plus Whole Life Lifetime protection (to age 121) Guaranteed cash values Guaranteed lifetime premium* (to age 100) Customized coverage with valuable riders *Exception-Disability income coverage 407967 US (08/12) Producer Use Only
  • Slide 44
  • Advantage Plus Whole Life Non-Medical Features No blood No HOS No APS Optional Decision Express phone interview MIB Prescription History Build Tables 56259 lbs 57265 lbs 58274 lbs 59281 lbs 510292 lbs 511298 lbs 407967 US (08/12) Producer Use Only
  • Slide 45
  • Advantage Plus Whole Life Non-Medical Features Insurance Classes Juvenile Tobacco Non-Tobacco Issue Ages & Face Amounts (age nearest) 0-15: $25,000 - $150,000 16-55: $25,000 - $250,000 56-70: $25,000 - $150,000 UnderwritingIssued Standard up to and including Table 4 Decision ExpressOptional Point-of-Sale Underwriting Decisions 407967 US (08/12) Producer Use Only
  • Slide 46
  • Advantage Plus Whole Life Non-Medical Features Protection Benefits Family Health Benefit Rider Common Carrier Accidental Death Benefit Rider Living Benefits Disability Income Rider (Accident Only) Waiver of Premium Rider Extended Protection Childrens Term Rider Accidental Death Rider Guaranteed Insurability Rider Additional Protection 10-Year Term Rider 20-Year Term Rider Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 47
  • Advantage Plus Whole Life Medically Underwritten Features Issue Ages & Face Amounts (age nearest) Band 1 0-15: $150,001 - $499,999 16-55: $250,001 - $499,999 56-70: $150,001 - $499,999 71-85: $25,000 - $499,999 76-85: $100,000 - $499,999 (Preferred & Preferred Plus Classes) Band 2 $500,000 and up 407967 US (08/12) Producer Use Only
  • Slide 48
  • Advantage Plus Whole Life Medically Underwritten Features Insurance Classes Juvenile Non-Tobacco Non-Tobacco Plus Preferred Non-Tobacco Preferred Plus Non-Tobacco Tobacco Tobacco Plus 407967 US (08/12) Producer Use Only
  • Slide 49
  • Advantage Plus Whole Life Medically Underwritten Features Protection Benefits Family Health Benefit Rider Common Carrier Accidental Death Benefit Rider Living Benefits Disability Income Rider (Accident Only) Waiver of Premium Rider Extended Protection Childrens Term Rider Accidental Death Rider Guaranteed Insurability Rider Additional Protection 10-Year Term Rider 20-Year Term Rider Paid-up Additions Rider Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 50
  • Advantage Plus Whole Life Premiums and Payment Options Premium Modes Monthly: $25.00 minimum (PAC only) Quarterly: $75.00 minimum Semi-Annually: $150.00 minimum Annual: $300.00 minimum Certificate Fee (fully commissionable) Monthly: $6.30 Quarterly: $18.72 Semi-Annual: $36.72 Annual: $72.00 Payment Options 20 pay Pay to 100 407967 US (08/12) Producer Use Only
  • Slide 51
  • Advantage Plus Whole Life Loans & Dividend Options Loans (non-direct recognition) Available up to cash surrender value at the end of the current certificate year Current US variable loan rates (currently 5.0%)* Contractual Dividends Paid-up Additions (default) On deposit with interest (minimum 3.5% guarantee) Reduce Premiums Paid in Cash *Loan rates are variable. Loan rates current as of July 18th, 2012. 407967 US (08/12) Producer Use Only
  • Slide 52
  • Additional Protection Paid-Up Additions Rider Contents: Paid-Up Additions Rider Basics Underwriting & Face Amounts Payment Structure Changes
  • Slide 53
  • Advantage Plus Whole Life Paid-up Additions Rider Basic Rider Information Benefit Purchase paid-up additional life insurance that endows at age 121 Issue Ages (age nearest) 18-70 Rider Effective Date Flexible Payments: certificate anniversary of the base certificate Single Payments: based on a monthly anniversary of the base certificate Basis of Computation 2001 CSO Ultimate Mortality Table at 4% interest Loads/Fees 6% on every payment Subject to state availability and variations. 407967 US (08/12) Producer Use Only
  • Slide 54
  • Advantage Plus Whole Life Paid-up Additions Rider Basic Rider Information Rider Options Flexible Payments Single Payments Rider Dividend Matches Advantage Plus dividend option Automatic Premium Loan/Reduced Paid Up If Advantage Plus on APL, the rider is terminated Withdrawing Paid-Up Additions May be partially surrendered or in full On Waiver or Disability PUA purchases allowed Payments not waived 407967 US (08/12) Producer Use Only
  • Slide 55
  • Advantage Plus Whole Life Paid-up Additions Rider Underwriting/Face Amounts Insurance Classes (not available on sub-standard) Tobacco Non-Tobacco Sub-Standard ClassesNot available Minimum Insurance Coverage for Base Certificate plus term 10yr or 20yr rider $250,001 (issue ages 18-55) $150,001 (issue ages 56-70) Maximum Insurance CoverageSubject to underwriting rules 407967 US (08/12) Producer Use Only
  • Slide 56
  • Advantage Plus Whole Life Paid-up Additions Rider Underwriting/Face Amounts Underwriting Age & Amount Tables Age at Rider Effective Date (ANB) Flexible PUA FactorSingle PUA Factor 18-3515.06.0 36-5010.03.0 51-705.02.0 407967 US (08/12) Producer Use Only
  • Slide 57
  • Advantage Plus Whole Life Paid-up Additions Rider Payments Payment Types Single Payment Flexible Payment Flexible Payment Termination Date/Period Payments made until the earlier of certificate anniversary nearest age 80 or 25 certificate years after rider effective date Flexible Payment Rider Minimum Billing Payments Monthly: $50 Quarterly: $150 Semi-Annual: $300 Annual: $600 Single Payment Rider Minimum Payments $600 407967 US (08/12) Producer Use Only
  • Slide 58
  • Advantage Plus Whole Life Paid-up Additions Rider - Payments Maximum Lifetime Payments (contractual) $1 million per insured Maximum Annual Payments (contractual) Underwritten approved maximum annual payment Maximum Annual Payments (non-contractual) $100,000 per insured 407967 US (08/12) Producer Use Only
  • Slide 59
  • Advantage Plus Whole Life Paid-Up Additions Rider - Payments Number of Single Payment Riders Unlimited Payment Modes Monthly Quarterly Semi-Annual Annual 1035 Exchanges Allowed (Single Payment Rider Only) 407967 US (08/12) Producer Use Only
  • Slide 60
  • Advantage Plus Whole Life Paid-Up Additions Rider Changes* Adding RiderAllowed after issue Increasing Rider Increasing payment amount not allowed Insurance Class ChangesAllowed *Based on administrative rules and requirement at time of request, subject to change. 407967 US (08/12) Producer Use Only
  • Slide 61
  • This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, 2011. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. Competitive Comparison Non-Medical Why Foresters Whole Life Insurance? 407967 US (08/12) Producer Use Only
  • Slide 62
  • This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, 2011. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. Competitive Comparison Non-Medical Why Foresters Whole Life Insurance? 407967 US (08/12) Producer Use Only
  • Slide 63
  • This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, 2011. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. Competitive Comparison - Fully Underwritten Why Foresters Whole Life Insurance? 407967 US (08/12) Producer Use Only
  • Slide 64
  • Competitive Comparison - Fully Underwritten This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, 2011. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. Foresters Whole Life Insurance Why Foresters Whole Life Insurance? 407967 US (08/12) Producer Use Only
  • Slide 65
  • Advantage Plus Whole Life 408823 US (09/12) For Producer Use Only
  • Slide 66
  • Foresters SMART Universal Life
  • Slide 67
  • SMART UL A flexible universal life product that offers lifetime insurance protection, non-medical underwriting and potential for cash value accumulation. 407967 US (08/12) Producer Use Only
  • Slide 68
  • 503349 US (10/11) Target Market Ages 30-50 Middle Income Market Looking for lifetime life insurance protection Clients who dont want to go through the hassles of full underwriting Looking for cash value accumulation potential 407967 US (08/12) Producer Use Only
  • Slide 69
  • Why SMART UL? Offers the security of lifetime coverage No medical exams (up to $250,000) Simple application process Customized coverage with valuable riders Flexible coverage Competitive rates 407967 US (08/12) Producer Use Only
  • Slide 70
  • Issue Ages 0-70 (Age Nearest Birthday) Face Amount Minimum $25,000 Underwriting Classes (Non-Medical) Non-Tobacco Tobacco Juvenile (Issue age 0-15) Minimum guaranteed interest rate 3% Premium payment options Life Pay Quick Pay (@ guaranteed interest rate) Death Benefit Option Level Increasing At a Glance 407967 US (08/12) Producer Use Only
  • Slide 71
  • Face amount Issue Age 0-15: $25K-$150K Issue Age 16-55: $25K-$250K Issue Age 56-70: $25K-$150K Minimum modal premium requirements $25 Monthly $75 Quarterly $150 Semi-Annual $300 Annual Surrender charges Decreasing charge for 15 certificate years Premium expense charge 6% of premiums paid in the first 20 certificate years Monthly administration deduction $12 At a Glance 407967 US (08/12) Producer Use Only
  • Slide 72
  • Definition of Life Insurance Test Options Guideline Premium Test (GPT) Cash Value Accumulation Test (CVAT) PremiumPayable to age 100 Grace Period61 days from the due date of the monthly deduction in default Reinstatements Can be reinstated within 3 years of the date of lapse, subject to conditions At a Glance 407967 US (08/12) Producer Use Only
  • Slide 73
  • Why SMART UL? Male N/S 55, $100,000, Premium $2,600 Sources: Individual company software as of June 3, 2011 Current Int. Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Tgt Prem. Sec. Gte Sec Gte Prem. ANICOExecutive UL5.00%6,81519,59757,255113,711211,9111,66510 years 1,332 AmericoLifeCrest5.00%6,77619,11554,502107,776205,6572,39520 years 1,436 LSWHorizon UL6.00%5,62417,43952,005115,752231,8583,00415 years 1,692 John Hancock Life Protection UL 11 5.20%7,94119,18045,91791,315179,8941,76410 years 1,667 Foresters SMARTUL (Non Med) 5.90%6,93620,11257,411125,591241,3701,95110 years 1,534 AAEasy UL4.00%8,96923,09055,15396,232163,4632,12715 years 1,636 50 percentile5.10%6,87719,38954,828110,744208,2842,039 1,585 Smart UL Rank32111 407967 US (08/12) Producer Use Only
  • Slide 74
  • Why SMART UL? Female N/S 55, $250,000, Premium $6,500 Current Int. Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Target Prem. Sec. Gte Sec Gte Prem. ANICOExecutive UL5.00%20,09153,851144,282295,851548,4403,31310 years 2,650 AmericoLifeCrest5.00%20,54255,423145,360301,234567,6664,48820 years 2,323 LSWHorizon UL6.00%17,71551,551143,057320,209632,9266,38315 years 3,552 John Hancock Life Protection UL 11 5.20%23,55756,052143,634306,059581,8503,34310 years 3,157 Foresters SMARTUL (Non Med) 5.90%20,95457,925163,420360,904691,6073,67810 years 3,358 West Coast Life Lifetime Advantage Plus 5.40%18,90553,600152,577315,883574,0583,79015 years 1,945 50 percentile5.10%20,31754,637144,821310,971577,9543,734 2,904 Smart UL Rank21111 Sources: Individual company software as of June 3, 2011 407967 US (08/12) Producer Use Only
  • Slide 75
  • Consumer Brochure 407967 US (08/12) Producer Use Only
  • Slide 76
  • Consumer Worksheet 407967 US (08/12) Producer Use Only
  • Slide 77
  • Foresters Lifefirst Level Term Life Insurance
  • Slide 78
  • Ages 25-55 Americans looking for temporary life insurance for needs, such as mortgage or income protection, at an affordable price Clients who dont want to go through the hassles of full underwriting Looking for personal protection from total disability and certain critical illnesses Target Market 407967 US (08/12) Producer Use Only
  • Slide 79
  • Why Lifefirst Level Term Life? Offers affordable coverage No medical exams (up to $250,000) Simple application process Customized coverage with valuable riders Built in value added protection Living benefits 503349 US (10/11) 407967 US (08/12) Producer Use Only
  • Slide 80
  • Types 10-year 20-year Underwriting Classes (Non-Medical) Non-Tobacco Tobacco Issue Ages Non-Medical & Medical Non-Tobacco Tobacco 10-year: 18 to 80 18 to 80 20-year: 18 to 65 18 to 60 (10-year is not available on Non-Medical basis) Death Benefit Level (reduced by loan or Critical Illness Rider benefits paid) Convertible Before the earlier of age 65 or 5 years prior to the end of the initial term. At a Glance 407967 US (08/12) Producer Use Only
  • Slide 81
  • Face amount Ages Non-Medical Medical 18-50: $50,000 - $250,000 $250,001 & up 51-55: $50,000 - $200,000 $200,001 & up 56+: $50,000 - $150,000 $150,001 & up Over $10,000,000 subject to head office approval. Minimum modal premium requirements $25 Monthly $75 Quarterly $150 Semi-Annual $300 Annual Underwriting Classes Non-Medical Medical Non-Tobacco Preferred Plus Non-Tobacco Tobacco Preferred Non-Tobacco Non-Tobacco Plus Non-Tobacco Tobacco Plus Tobacco At a Glance 407967 US (08/12) Producer Use Only
  • Slide 82
  • UnderwritingIssued standard to table 4 Premiums Guaranteed and level premiums for the entire initial term for the base certificate. After the initial term period, the certificate may be continued at annual renewable rates to the certificate anniversary nearest age 100. Certificate Fees Non-Medical: $6.20/monthly, $18.61/quarterly, $36.50/semi-annually, $70/annually Medical: $6.20/monthly, $18.61/quarterly, $36.05/semi-annually, $70/annually Modal Factors Monthly: 0.088652, Quarterly: 0.265957, Semi-annually: 0.515071, Annually: 1 At a Glance 407967 US (08/12) Producer Use Only
  • Slide 83
  • Sources: AG Producer Guide v10/08, ING HomeGuard Term Rate Card 11/09, Cited with permission of Compulife (as of January 13, 2012). Compulife is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. $100,000, 20-year term, Non-medical with no riders Male Std Ranking Female Std Ranking Age 50 Non-TobaccoNon Tobacco Foresters Lifefirst 20 year (Rates effective September 12, 2011) $60.192$55.672 AG Ultra Mortgage Complete 20 year $63.444 5 Americo Home Mortgage Series 20 year $78.667 8 Fidelity Life Rapid Decision Term 20 $63.253$43.941 ING HomeGuard Plus Term 20 $75.006 7 Stonebridge Simplified Issue Term 20 $57.251 3 United Home Life Express Issue term 20 $84.448$57.854 United of Omaha Term Life Express 20 year $72.365$68.266 503349 US (01/11) 503349 US (10/11) Why Lifefirst? 407967 US (08/12) Producer Use Only
  • Slide 84
  • Source: Cited with permission of Compulife (as of January 13, 2012). Compulife is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Competitive Premiums $300,000, 20-year term, medical with no riders Age 45 Male Preferred Non-TobaccoRanking Female Preferred Non- TobaccoRanking Lifefirst 20 Year (Rates effective September 2011) $46.634$37.055 AG Select-a-Term 20 $41.83 2$34.742 ANICO Select 20 $55.21 8$43.037 Banner OPTerm 20 $41.13 1$33.511 Lincoln Benefit TrueTerm 20 Year $63.26 11$55.1311 ING TermSmart 20 $42.70 3$34.833 Sagicor Platinum Series 20 $59.54 10 $48.31 10 Stonebridge - Stonebridge Term 20 year $49.61 7$47.789 Symetra 20 year Level Term $58.71 9$45.068 Transamerica Champion Term II 30 $46.73 6$36.494 United of Omaha - Term Life Answers 20 $46.68 5$39.206 503349 US (10/11) Why Lifefirst? 407967 US (08/12) Producer Use Only
  • Slide 85
  • Consumer Brochure 407967 US (08/12) Producer Use Only
  • Slide 86
  • Consumer Worksheet 407967 US (08/12) Producer Use Only
  • Slide 87
  • Foresters PlanRight Whole Life
  • Slide 88
  • PlanRight A non-participating whole life product designed to provide for death benefits and premiums as a way to help people pay for the cost of their final expenses 407967 US (08/12) Producer Use Only
  • Slide 89
  • PlanRight Whole Life U.S. population age 65 and over is expected to double in the next 25 years By 2030 almost one out of five Americans (some 72 million people) will be 65 years or older According to the National Funeral Directors Association, the average cost of a funeral in 2010 was $7,755 Sources: http://www.cdc.gov/mmwr/preview/mmwrhtml/mm5206a2.htm http://www.nfda.org/ 407967 US (08/12) Producer Use Only
  • Slide 90
  • PlanRight Whole Life Quick Application Process no medical exam, no blood profiles, no HOS Quick Underwriting Producers will know medical eligibility prior to leaving clients home Quick Issue - Quick Pay in your pocket Face amounts - from $2,000 to $35,000 407967 US (08/12) Producer Use Only
  • Slide 91
  • PlanRight Whole Life Benefits in 1 st, 2 nd and Later Years Level Death Benefit (Based on 100% of the Face Amount*) Graded Death Benefit (Based on greater of: Year 1: 30% of face amount; or ROP + 4.5% interest Year 2: 70% of face amount; or ROP + 4.5% interest Year 3: 100%*) Modified Death Benefit (Based on ROP+10% in years 1 and 2, 100% of the face amount from year 3+*) *Applicable amount plus unearned premium minus certificate debt such as loans. Issue Age (ALB)Face Amounts 50 - 80 yrs$2,000 - $35,000 81 - 85 yrs$2,000 - $15,000 Issue Age (ALB)Face Amounts 50 - 80 yrs$2,000 - $20,000 81 - 85 yrs$2,000 - $10,000 Issue Age (ALB)Face Amounts 50 - 80 yrs$2,000 - $15,000 81 - 85 yrsNot Available Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 92
  • PlanRight Whole Life Accidental Death Provision Availability PlanRight Graded & Modified during the first two years the certificate is in effect Benefit for Accidental Death Face amount in effect on date of death of insured, plus Unearned Premiums, minus Debt Accidental Death Definition Death caused by an accidental bodily injury, directly and independently from all other causes Accidental Death Period Death occurs within 180 days of accidental bodily injury Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 93
  • PlanRight Whole Life Premiums Age Last Birthday Rates for Males/Females and Non-Tobacco/Tobacco No Banding Commissionable Certificate Fee: $36 Annual, Semi-annual, Quarterly and Monthly modes One application for all 3 plans 407967 US (08/12) Producer Use Only
  • Slide 94
  • PlanRight Whole Life Riders Built-In Protection Common Carrier Accidental Death Benefit Rider Extended ProtectionAccidental Death Rider (Level Plan Only) Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 95
  • PlanRight Whole Life Common Carrier Accidental Death Benefit Rider Availability Insured Issue Ages 50-85 Benefit Provides a death benefit of up to two times the face amount to a maximum of $300,000, if the insured dies of an accidental bodily injury that occurred while riding as a fare-paying passenger on a common carrier Accidental Death Definition Death caused by an accidental injury, directly and independently from all other causes Accidental Death Period Death occurs within 180 days of accidental bodily injury Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 96
  • PlanRight Whole Life Accidental Death Benefit Rider Availability PlanRight Level Insured Issue Ages 50-85 Benefit Provides additional coverage in event of accidental death, caused by accidental bodily injury and death occurs within 180 days of the injury. Issue Amount Minimum: $2,000 Maximum: 100% of face amount Expiry Date Certificate anniversary on which the insured is age 121 Subject to state availability. 407967 US (08/12) Producer Use Only
  • Slide 97
  • PlanRight Whole Life Real-Time Underwriting Supported by Apptical Fast, reliable service Focus on the sale not the underwriting process Know the clients medical eligibility before leaving the clients home 407967 US (08/12) Producer Use Only
  • Slide 98
  • PlanRight Whole Life Process Complete the application Call Apptical for Personal Health Interview (PHI) MIB and Prescription Checks will be performed on all applications Medical eligibility based on application and telephone interview results Fax or mail-in application 407967 US (08/12) Producer Use Only
  • Slide 99
  • PlanRight Whole Life Process In order for you to continue with the Point-of-Sale process for PlanRight, all applications must be submitted to Foresters within 10 business days after a call has been placed wtih Apptical, regardless of the outcome. 407967 US (08/12) Producer Use Only
  • Slide 100
  • PlanRight Whole Life Male Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums Data in the comparison is based on information available believed to be current as of July 2012, but is subject to change. Not all products are available in all states. Assumes no optional coverages. AgeForestersAmericoAssurityColumbianMonumental United Home Life 5030.0832.0628.8229.1728.8028.95 5536.1735.7034.2833.3736.3034.91 6044.1643.6841.6544.8344.1044.09 6552.7255.2053.8755.7057.5056.46 7069.5872.9373.0573.5476.0080.71 7596.8899.51100.5598.22100.00122.52 80138.74145.65155.57141.83127.70168.93 85191.52200.14N/A195.54174.40N/A 407967 US (08/12) Producer Use Only
  • Slide 101
  • PlanRight Whole Life Female Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums Data in the comparison is based on information available believed to be current as of July 2012 but is subject to change. Not all products are available in all states. Assumes no optional coverages. AgeForestersAmericoAssurityColumbianMonumental United Home Life 5023.1024.5625.4824.38 24.40 23.23 5528.4027.7329.3728.44 29.40 27.53 6034.6233.9334.7435.69 34.00 33.22 6541.9042.8044.0343.52 42.30 40.83 7052.2953.4356.4154.83 55.00 55.38 7572.3172.9376.8973.12 72.80 81.24 80105.07112.77113.89107.9 94.90 114.51 85158.76166.32N/A149.27 129.60 N/A 407967 US (08/12) Producer Use Only
  • Slide 102
  • PlanRight Whole Life 407967 US (08/12) Producer Use Only
  • Slide 103
  • PlanRight Whole Life APPTICAL 1-866-844-9276 Monday-Friday: 8:30 am to Midnight ET Saturday-Sunday: 10 am to 8 pm ET Sales Support 1-866-466-7166 (option 1) Monday-Friday: 8:30 am to 7:00 pm ET Saturday-Sunday: Closed 407967 US (08/12) Producer Use Only
  • Slide 104
  • Key Features: Entire insurance application completed over the phone Paperless process - electronic application Point-of-Sale qualification plan eligibility determined before the call is over No requirement to send materials prior to call No wet Signature Required Quick issue and pay Voice Signature over the Phone 407967 US (08/12) Producer Use Only
  • Slide 105
  • Voice Signature over the Phone Process 1.Log onto a web account for phone sales 2.Complete the sales process with the customer 3.Fill out required information on the web application 4.Connect the customer with the interviewer via a three way phone call to complete the application for insurance. 5.Call is recorded 6.The interview will determine the plan eligibility, validate application information, and obtain a voice signature 7.When the call is completed, Foresters will receive all the information electronically 8.The case may be issued and commission processed. 407967 US (08/12) Producer Use Only
  • Slide 106
  • Voice Signature over the Phone Three Technology Requirements: 1.High Speed Internet Connection 2.Microsoft operating system with Internet Explorer 3.Phone with 3-way call capability 407967 US (08/12) Producer Use Only
  • Slide 107
  • Foresters Prepared Accidental Death Term Insurance
  • Slide 108
  • Ages 18 to 60 Americans looking for financial protection from premature death as a result of an accident Clients who dont want to go through the hassles of underwriting or do not qualify for traditional (all causes) life insurance Target Market 407967 US (08/12) Producer Use Only
  • Slide 109
  • Low cost Easy to sell on true simplified issue underwriting basis with a few health/lifestyle questions Straightforward accept or decline underwriting approach quicker issue turnaround and get paid sooner Available as a fall back solution for declined Foresters term insurance a simple, affordable alternative Why Prepared? 407967 US (08/12) Producer Use Only
  • Slide 110
  • Death Benefit Paid to beneficiary if insured dies within 180 days from an accidental bodily injury. Guarantees Non-cancelable the certificate, excluding riders, cannot be canceled by Foresters if premiums are paid as due and there is a health change after issue. The premium rate is guaranteed to remain level and unchanged for the life of the certificate. Premiums Payable to age 75. Rates vary by age band and gender Expiry Date Certificate anniversary on which the insured is age 75. Note: The certificate may end before the certificate expiry date. Minimum Premiums $10/monthly, $30/quarterly, $60/semi-annually, $120/annually Issue Ages18-60 At a Glance 407967 US (08/12) Producer Use Only
  • Slide 111
  • Face Amounts $50,000 - $300,000 Note: The total accidental death term insurance coverage from all in force Foresters accidental death coverage cannot exceed $300,000 Underwriting classes Simplified Issue (non-medical basis). Sub-standard is not available Certificate fees $5.50/monthly, $16.50/quarterly, $32/semi-annually, $60/annually Modal Factors Monthly: 0.091667, Quarterly: 0.275000, Semi-annually: 0.533333, Annually: 1.000000 Optional Riders Disability Income Rider (Accident Only) Waiver of Premium Rider (Accident Only) Return of Premium Rider At a Glance 407967 US (08/12) Producer Use Only
  • Slide 112
  • Consumer Brochure 407967 US (08/12) Producer Use Only
  • Slide 113