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1Description of member benefits that you may receive assumes that you are a Foresters member. Foresters member benefits are non-contractual, subject to benefit specific Eligibility requirements, Definitions and limitations and may be changed or cancelled without notice. 2Available to eligible members with an in force certificate having a minimum face value of $10,000 or if an annuity, a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months. Certificate includes an in force individual policy or annuity offered by Foresters Life Insurance Company (formerly Unity Life), a Foresters subsidiary.3Not available as a member benefit in the states of Illinois and New York or on Accidental Death products. Terminally ill means there is a reasonable certainty of death within 12 months as determined by a legally qualified physician who can provide medical proof satisfactory to Foresters.