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Why ForestersLife insurance witha larger purpose

SHERISSE WASHINGTONForesters member

For producer use only. Not for use with the public. Not for use in CA.505261 US 01/21

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What makes Foresters a unique partner?

At the core, most life insurance companies offer similar products. But, few are driven towards making a difference in their clients’ lives or communities. At Foresters FinancialTM we achieve both!

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Foresters difference

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Financial strength

Competitiveness

Commitment to technology

Foresters can easily boast about our rich history of nearly 150 years by emphasizing our:

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Foresters is an international life insurance and financial services provider with a strong capital base

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1. The A.M. Best rating assigned on August 5, 2020 reflects the overall strength and claims-paying ability of The Independent Order of Foresters (IOF) but does not apply to the performance of any non-IOF issued products. 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. See ambest.com for our latest rating.

2. All figures are presented in USD. The figures are based on consolidated financial results prepared in Canadian dollars as at December 31, 2019 and converted into USD using the Bloomberg spot exchange rate of 1.2990. The surplus represents excess funds above the amount required as legal reserves for insurance and annuity certificates in force and provides additional assurances to our members for our long term financial strength. Financial strength refers to the overall health of The Independent Order of Foresters.

Assets of

$14.2Billion USD2

“A”(Excellent)

A.M. Best FinancialStrength rating for the20th consecutive year1

Liabilities of

$12.6Billion USD2

Surplus of

$1.6Billion USD2

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Delivering the right financial solution for when it matters most

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3. Insurability depends on the answers to medical and other application questions and underwriting searches and review.

Term Advantage Plus II

Whole Life SMART UL

Non-Medical upto $400,0003

PlanRight Whole Life Prepared II

Accidental Death Term Insurance

BrightFutureChildren’s Whole Life

Simplifiedissue

Term Advantage Plus II

Whole Life SMART UL

Medically underwritten

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Built-in Accelerated Death Benefit Rider4 for Term, SMART UL, Advantage Plus II, and BrightFuture and PlanRight (for Terminal Illness)

Option to accelerate a portion of the eligible death benefit and receive a payment ifthe insured is diagnosed with a coveredillness, which may include one or more ofa critical, chronic, or terminal illness

Helping clients prepare for an illness

4. The Accelerated Death Benefit Rider provides an option to accelerate a portion of the eligible death benefit and receive a payment. 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 certificate values and benefits and may affect eligibility for public assistance programs. Receipt of an accelerated death benefit payment under the rider is intended to qualify for favorable tax treatment under section 101(g) of the Internal Revenue Code (IRC). Specific situations may result in a taxable event. For New York certificates: This is a life insurance certificate 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 (The Accelerated Death Benefit Rider (For Terminal Illness) does not include acceleration for a chronic illness).

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ezbiz Tracking business Quoting software Knowledge zone Marketing collateral Forms, apps and

brochures

Offering technology at your fingertips

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Mobile quoting Quick quote tool

for all our products Underwriting

guides for field underwriting

Needs analysis tools

ForestersBiz app Ability to view:

– In-force and pending business

– Producer production

– Client info

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Imagine offering your clients a life insurance company who:

Unlike most life insurance companies, only a few can say they’re purpose-driven with a focus on their clients’ overall wellness

Is driven to share, not shareholder-driven!

Is a not-for-profit membership organization reinvesting profits to help members and their communities

Welcomes individuals who share a common bond or purpose

Offers products and services that go beyond life insurance planning to help make a positive difference in the world

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HENRY FRIMPONGForesters member

Becoming a member of our international community begins with purchasinga Foresters certificate.

It’s that simple!

How can your clients become members?

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Once your clients become members, they’ll have access to a unique member benefits5 program helping them feel empowered to live richer, fuller lives, including:

– Scholarships and Community Grants

– Well-being benefits

– Community and volunteer opportunities

At Foresters, we excel in the middle market, offering your clients life insurance with a larger purpose: to enrich family and community well-being!

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5. Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or canceled without notice.

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MADISON FEIJOForesters Competitive

Scholarship Winner

Helping our members and their families reach their goals for higher education:

Competitive Scholarships6

– $1.89 Million (USD) was awardedin Competitive Scholarships in 2019

Orphan Scholarships7

Scholarship opportunities

6. This program is administered by International Scholarship and Tuition Services, Inc. Eligible members, their spouse, dependent children, and grandchildren may apply subject to the eligibility criteria. Please visit https://www.foresters.com/en/foresters-difference/scholarships for further details.

7. Available to eligible members with an in-force certificate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months.

RAAJ DUDANIForesters Competitive

Scholarship Winner

$2,000 per year, renewable for up tofour years based on academics

Application requirements and selection criteria based on:– 65% community service: Minimum

requirement of 40 hours service in the 24 months leading up to the application deadline

– 35% grades: Minimum requirement ofa 2.8 grade point average

– Enrolling in a minimum 2-year, full-time program at a university, community college, or vocational/trade school

Competitive Scholarships

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Children of deceased members may receive a scholarship:

– $1,500 on the death of one parent

– $3,000 on the death of a single parent

– $6,000 on the death of both parents

Available for a maximum of four consecutive years or until the first degree is obtained

Orphan Scholarships

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Helping our members make a difference by giving back to their local communities:

Apply for financial grants to help create local engagement activities

– Community Volunteer grants

– Fun Family grants

– Make an IMPACT

$4.26 Million (USD) in grants creating 2,130 fun family and volunteer activities attended by 93,836 members and guests in 2019

Community Grants

RICKY CHEUNGForesters member

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Maximum of up to $2,000 per grant

Providing members with fundsto independently organize volunteer activities that contribute to community and family well-being

Granting examples: Park clean-up, assembling hygiene kits for the homeless, or gift packs for disadvantaged children

Community Volunteer

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SHERISSE WASHINGTONForesters member

Maximum of up to $35 per person

Providing members the opportunity to organize activities for other local Foresters members and their families

Fun examples: A day at an amusement park, a sporting event,or an evening at the movies

Family Fun

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Community Volunteer grants: Three grants can be approved per calendar year and a maximum of two Community Volunteer/Fun Family grant applications can be submitted per quarter per member, to a maximum of five grant submissions per year

Fun Family grants: Two grants can be approved per calendar year and a maximum of two Community Volunteer/Fun Family grant applications can be submitted per quarter per member, to a maximum of five grant submissions per year

Pre-planning is key! Applications must be submitted 8-10 weeks in advance. All activities must be INCLUSIVE, open to all ages, and should be after business hours or on weekends

Members can bring up to three guests

The granting program is not a sponsorship! All Community Volunteer grants must be meaningful volunteer opportunities

Great resources are available: Activity guides are on the member and producer portals

Grant eligibility:

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Helps members make a difference in their communities with a one-time grant of $200

Grant can be used in many ways including:

– Contact-free activities related to COVID-19

– Creating hygiene kits

– Preparing care packages for those in need

Encourages members to share success stories and inspire good works through social media by joining Foresters Make an IMPACT Facebook group

Make an IMPACT

Helping our members and their families make certain their financial matters are in order: LawAssure8

Everyday Money Orphan Benefit9

Terminal Illness Loan10

Diabetes11

Lifelong Learning12

Well-being benefits

8. LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affiliated with Foresters. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a licensed attorney. Foresters Financial, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, estate or tax advice. Some features not available in Louisiana.

9. Available to eligible members with an in-force certificate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months. Foresters may, at its sole discretion on the basis of documentary evidence submitted in support of the benefit application, deem the child an orphan for the purpose of this member benefit. Both parents or a single parent who is the sole provider for the maintenance and support of his/her children must be alive at the time of application of membership.

10. Not available as a member benefit in the states of Illinois and New York or on Accidental Death products11. Foresters Financial and its employees, agents and life insurance representatives do not provide, on Foresters behalf, legal, estate, health, medical or

tax advice. Consult your physician or licensed healthcare professional for any questions or information about your medical care.12. Foresters Lifelong Learning Program is administered and delivered by The Training Company Inc.

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Complimentary online document preparation service

Service gives members the ability to create customizable:

– Wills

– Powers of attorney

– Healthcare directives

Platform uses pre-programmed logic to instantly customize and populate documents according to a member’s answers and tailored to their jurisdiction

LawAssure

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Complimentary toll-free and confidential helpline for financial matters

Service provides access to accredited counselors who can help members and their immediate family with everyday money management including:

– Budgeting

– Dealing with credit card debt

– Saving for a home or college

– Tips to prevent identity theft

Everyday Money

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Up to $900 per month per child to help legal guardians care for children upon the death of the children’s parents or sole surviving parent

Benefits are in addition to the death benefit proceeds and start approximately one month after payment of the death benefit

Benefit ends:– On the child’s 18th birthday,– If the child becomes married or

self-supporting, or– Is approved for an Orphan Scholarship

Orphan Benefit

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Borrow up to 75% of the net face amount of the member’s Foresters life insurance certificate, to a maximum of $250,000

– No interest, set-up fees, or rider charges

– Members can use money any way they wish, such as for helping to pay medical expenses or participating in an important event

Terminal Illness Loan

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Simplifying diabetes care for members and their immediate families, by helping to cut costs and getting the essentials they need, with home delivery of discounted Accu-Chek13 products

This benefit offers two options:

– Flexible test-strip subscription: Receive a free Bluetooth blood glucose meter with every subscription

– Discounted glucose testing accessory bundle: Save 33% on key items for testing blood sugar

Diabetes

13. ACCU-CHEK, ACCU-CHEK GUIDE, ACCU-CHEK GUIDE ME, FASTCLIX, and SMARTPACK are trademarks of Roche.

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Easy-to-use learning library offering over 200 online courses covering a diverse range of topics including:– Business Management– Health and Wellness– Professional Development– And much more

Members can create flexible learning plans that fit their own interests and schedules as well as track their progress through a personalized dashboard

A certificate of completion is provided once a course is successfully completed

Lifelong Learning

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Helping our members be part of something more with company-sponsored involvement events and opportunities for volunteer leadership:

Since 2016, Foresters and KaBOOM! have built 169 playspaces across North America, impacting the lives of over 5.7 million children

Foresters offer two levels of elected leadership14 made up of members interested in sharing their ideas and planning for the future

Community and volunteer opportunities

14. Governance rights are available to voting members only.

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If your DNA is wired to do purpose-driven work, maybe it’s time you consider Foresters!

Start leveraging our unique member benefits and dedicated staffto help your business prosper.

MATT BERMANPresident of Foresters US

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Option # 1 Sales Support – Single point of contact– Assistance with:

• Illustration software• Product training or website navigation• Material ordering• Sales solutions

Option # 2 Risk Assessment– Assistance with an assessment of medical

information for potential underwriting offers on all products except PlanRight

Our dedicated staff is a call away: 866-466-7166

Disclaimer

Foresters products and their riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the applicable Foresters Producer Guide and the insurance contract for your state for these terms and conditions. Products underwritten by The Independent Order of Foresters.

Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.

This presentation cannot be used for the purpose of avoiding penalties that may be imposed on a taxpayer. Neither Foresters nor its Representatives engage in rendering legal, business, estate tax, accounting or tax advice. The information in this presentation is intended as a general overview. Please advise your clients to consult their individual tax or legal advisors regarding their specific situation. This report is not intended to provide advice regarding the sale or purchase of specific investments, financial or insurance products. Treasury Department Circular 230.

All information is intended to be general in nature. All Foresters fraternal requirements need to be considered including the requirement that proceeds must benefit the Foresters member or the member’s dependents.

The information contained in this presentation is for informational purposes only. There are other tools available to support your learning needs. You must ensure that you correctly represent, to a customer or prospect, the product features based on the actual wording of the applicable certificate and riders for your state.

Thank you

Foresters Financial, Foresters, and Helping Is Who We Are are trade names and/or trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Rd, Toronto, Canada M3C 1T9) and its subsidiaries.

For producer use only. Not for use with the public.

Any questions?

Our Sales Support Team is only a call away, 866-466-7166, option 1

why foresters - nida marketing...why foresters grow your business and make a positive impact for...

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