Simplified Issue &
Final Expense

Foresters

Forester's offers a broad product line in the simplified issue and fully underwritten market place. In addition Foresters has a Fraternal org that includes membership benefits such as college scholarships, orphan support, CI, TI etc instead of being taxed as a non fraternal. Benefits of Membership (PDF)

Quotes

LifeFirst – Available on the Business Pipeline, required for illustrating:

Non Med Med
Annual mode to illustrate
Standard Non Tobacco/Tobacco
(Option Only)
Select Simplified Issue option
(For face amounts < or =250K)		 Annual mode to illustrate
All health classes available
Medical required for $250,001 & up

Big UL – Available on the Business Pipeline, select Guaranteed UL as desired length

Please Note: The Business Pipeline quotes with the Enhanced Death Benefit Rider included. The Death Benefit is 50% of a No Lapse Guarantee UL and then 50% of the Enhanced Death Benefit Rider. Therefore, if you enter $100,000 of face amount it will illustrate $50,000 of the No Lapse Guarantee UL and $50,000 of the Enhanced Death Benefit.

Smart UL – Not available on the Business Pipeline, must calculate with Foresters ForeSight software

PlanRight – Not available on the business pipeline, must calculate with rate card or online rate calculator. Rates included in How to Calculate Premiums guide.

Products

LifeFirst – 10, 20 & 30 Term with simplified issue option (up to $250K) Product Guide (PDF). Product detail for LifeFirst is also available on the business pipeline.

Big UL – Fully Underwritten Product Guide PDF

Smart UL – A flexible universal life insurance product that offers insurance protection, non-medical underwriting and potential for cash value accumulation.

Smart UL Product Guide (PDF)
Smart UL Powerpoint Presentation (PDF)

LifeFirst, Big UL, and Smart UL Underwriting Guide

PlanRight – Final Expense product line.

PlanRight Powerpoint (PDF)
PlanRight Product Guide (PDF)
PlanRight Agent Guide (PDF)
PlanRight Underwriting guide (PDF)
PlanRight How to calculate premiums (PDF)

Apps and forms are available on the business pipeline, please follow the business processing instructions on our website and the new business application. Click Here.