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New Producer Webinar

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Disclaimers

• This training module is not written for, and it cannot be used for, the purpose o penalties that may be imposed on a taxpayer. Neither ForestersTM nor its Repr engage in rendering legal, business, estate tax, accounting or tax advice. The

this training module is intended as a general overview. Please advise your clietheir individual tax or legal advisors regarding their specific situation. This rep intended to provide advice regarding the sale or purchase of specific investme or insurance products. Treasury Department Circular 230.

• All information is intended to be general in nature. All Foresters fraternal requ to be considered including the requirement that proceeds must benefit the For member's dependants.

• The information contained in this presentation is for information purposes only

other tools available to support your learning needs. You must ensure that yourepresent, to a customer or prospect, the product features based on the actua the applicable certificate and riders for your state.

• Foresters FinancialTM is the trade name and a trademark of The Independent O Foresters.

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Contents

•

Foresters Difference

• Foresters Products

• Support

• Rewards

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ForestersDifference

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Foresters

•Foresters Financial™ is a leading international life insurance prov

that is member-based, family-focused and community-spirited

•For 140 years we have been true to our purpose – to support the

being of families through quality life insurance, unique member

benefits and inspiring community activities

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal b

society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.. 

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Foresters Financial Strength

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society Road, Toronto, Canada M3C 1T9) and its subsidiaries. 

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• Foresters financial strength, as measured by A. M. Best Company rated “A” (Excellent) and has been for 15 consecutive years, mos recently updated July 10th, 2015. 

• An “A” (Excellent) rating is assigned to companies that have a str ability to meet their ongoing obligations to policyholders and have balance, excellent balance sheet strength, operating performance business profile when compared to the standards established by A Best Company. In assigning our rating, A.M. Best stated that Fore

rating outlook is “stable,” which means it is unlikely to change in near future, assuming our financial strength is maintained and ou operations grow. A.M. Best assigns ratings from A++ to F, A++ a being superior ratings and A and A- being excellent ratings.

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• Strong financial position

• Assets of $13.6 billion Canadian

• Surplus of $2.2 billion Canadian

Financial results as at December 31,2015.

Foresters Financial Strength

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KaBOOM!

• Partnership with KaBOOM!

• Members, employees and pr

volunteer along with commu

build a playground in just on

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Video 

https://www.youtube.com/watch?v=Fgc7zDLFk3g https://www.youtube.com/watch?v=Fgc7zDLFk3g

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2016 Playground Builds

Minneapolis, MN Tampa, FL

Orange Co, CA Portland, OR

Dallas, TX Atlanta, GA

San Diego, CA Cleveland/Akron, OH

Philadelphia, PA

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Ronald McDonald House Charities

• Partners for four years

• Foresters has organized activ

than 70 local Ronald McDona

• Activities include sponsoring “

Care”  and family activity nigh

Ronald McDonald House is a registered trademar Corporation or its affiliates and is used with

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Foresters Prepared with Care

• Foresters holds a fundamental belief in helping families plan ahead and

the unexpected, while making a difference along the way.

• Being prepared for life’s unexpected events is important to well-being -

preparedness information and supplies are one way that families and co

can become better prepared and more resilient in the face of emergenci

disasters.

•  Foresters cares about the well-being of families and the communities w

live. We’ve partnered with the American Red Cross TM to deliver Foreste

with Care, a program that will provide valuable preparedness training a

emergency kits to families in communities across America.

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Emergency Assistance Grants

• Short-term, temporary fi

assistance

• For Members affected by

personal hardship, disast

emergency

• One time, per disaster, p

• 800-828-1540

• 8:00 am – 4:00 pm

• [email protected]

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2015 Emergency Assistance Funding

Storms and Flooding in Texas & Oklahoma

May

Wildfires in Washington state

July

Wildfires in California August

Flooding in South Carolina

October

mailto:[email protected] mailto:[email protected]

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Member Benefits

Benefits available to all eligible insureds, as Foresters members:

• Competitive Scholarships

• Terminal Illness Loan

• Orphan Benefits

• Everyday Money

• Legal Link

• Community Granting Program 

ForestersTM member benefits are non-contractual, subject to eligibility requirements and limitations and may be chan cancelled without notice. Third parties administer Legal Link , Everyday  Money and Foresters Competitive Scholarship

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Competitive Scholarships

• Up to 250 tuition scholarsh

offered annually

• Each scholarship worth up

ForestersTM member benefits are non-contractual, subjec

requirements and limitations and may be changed or can

notice. Third parties administer Legal Link , Everyday  Mo

Competitive Scholarships.

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Terminal Illness Loan

• Terminal illness definition: Reasonable certainty of death within o

as defined by a legally qualified physician who can provide medica

satisfactory to Foresters

• Borrow up to 75% of the net face amount of the Member’s Forest

insurance certificate to a maximum of $250,000.

• No interest, set-up fees or rider charges

• Not available in NY or IL. Not available on Prepared Accidental De Certificates

ForestersTM member benefits are non-contractual, subject to eligibility requirements and limitations and may be chan cancelled without notice. Third parties administer Legal Link , Everyday  Money and Foresters Competitive Scholarship

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Orphan Benefit

• $900 per month per child paid to the legal guardian of the orphaned of a Foresters Member, up to age 18

• Both parents alive at time of application

• Both parents pass away

• Benefit payment starts approximately one month after death benefit proceeds paid

• Paid in addition to any death benefits

ForestersTM member benefits are non-contractual, subject to eligibility requirements and limitations and may be chan cancelled without notice. Third parties administer Legal Link , Everyday  Money and Foresters Competitive Scholarship

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