Reliance on information in this website
We have taken all reasonable care to ensure that the information contained in this website is accurate, complete and up-to-date and that it complies with the requirements of UK Legislation, regulations and codes of practice including the British Code of Advertising Practice.
However, please bear in mind that all information on this site is being supplied free of charge and that information has not been tailored for your particular requirements. We therefore cannot give any warranty or representation as to its needs and requirements, accuracy, completeness or reliability and we cannot accept any liability for any loss you may incur as a result of relying on that information.
Unless clearly indicated on this website, the information on this website is not intended to constitute any offer by us to enter into a contract with you.
You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is free from viruses. This applies to any software loaded from this website, so please virus check all software loaded from this website and check it is compatible with your computer.
Copyright and Trademark Notice
Please note that all the contents, the layout and the code of this website are copyright works owned by Foresters.
We are happy for you to download or print off copies of the contents of this site for your personal use and information but any copying or adaptation of the contents, layout or code of this website for any business purpose without our specific consent will constitute copyright infringement.
Please note that we are not the owner of copyright in other websites to which this site is linked and that you should check those websites before copying any materials from them. We acknowledge the copyright and any moral rights to third parties in those other websites.
Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns Foresters™ and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S and European Union trademark laws. All rights reserved.
Law and language
The applicable law governing the contents and use of this website and any disputes arising from it is English Law and any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the English courts.
This website is intended for use by citizens of the United Kingdom only. This website is not intended for distribution to, or use by, any person in a country where such distribution would be contrary to local laws or regulations.
As Forester Life is based in the United Kingdom, our Plans are subject to the law of England and Wales, and we will always communicate with you using the English language.
Your Rights of Privacy
Foresters is committed to protecting the privacy of all visitors to our website.
Foresters does not capture and store any personal information about you when you access this website, except when you choose to give us your personal details by email or by enquiring about any of our services or products. In these cases the information you provide will be held by Foresters and may be used in the following ways:
- To assist us to efficiently provide the service(s) you have requested
- For research and analysis purposes
- To contact you, from time to time, about financial and other products or services offered by Foresters and selected third parties which we feel may be of interest to you.
You have the right to see a copy of the personal data that we hold about you and you can make us change any information that is incorrect. We charge a small fee for the provision of this information. Please address any request to our Data Protection Officer at Foresters, Foresters House, 2 Cromwell Avenue, Bromley, BR2 9BF.
Cookies are pieces of information that a website transfers to your hard drive following a visit to that website. Most web browsers automatically accept cookies but you can disable this function by changing your browser settings if you so wish. However, you may not be able to take full advantage of a website if you do so.
Important Legal Information
Nothing within the pages of this site shall be deemed to constitute financial or other professional advice in any way. You should consult your financial adviser or other professional adviser if you require any financial or other professional advice.
Status disclosure and regulatory information
This web site only contains information on the products and services of Forester Life Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Forester Life Limited is registered as firm number 177898 in the Financial Services Register.
Forester Life Ltd is registered in England number: 2997655.
Foresters UK Group registered VAT number: 654 0253 58.
Registered Offices for all the above: Foresters, Foresters House, 2 Cromwell Avenue, Bromley BR2 9BF. Tel: 020 8628 3400. Fax: 020 8628 3500.
All information provided by Foresters will be treated with the utmost confidence and respect.
Such information will be recorded on computer and used to assess applications or administer policies. It may also be used for fraud prevention or money laundering prevention. We may share your information with other organisations in the Forester Financial Group who may be based outside of the European Economic Area. We may share your information with our business partners and may contact you by mail, telephone, SMS, fax or email to let you know about any goods, services or promotions which may be of interest to you. If you do not wish to receive such information please write to our Data Protection Officer, Foresters House, Cromwell Avenue, Bromley, Kent BR2 9BF.
You have the right to inspect copies of contract notes and vouchers, and ask for a copy of your information (for which we charge a small fee) and to correct any inaccuracies.
We keep records of our business transactions for at least six years. When you give us personal information about another person we will assume that they have appointed you to act for them and have consented to the processing of their personal data, including sensitive personal data.
Links to Other Sites
The links to other sites on the Internet are purely to allow you access to more information on related topics. Foresters does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you may leave the Foresters site.
Forester Life is committed to making our web site accessible to all our customers.
The Foresters.com web site is designed to be guided by the W3C's Web Accessibility Initiative (WAI) and be in accordance with web content accessibility guidelines 2.0 - Level A checkpoints.
It is important to Forester Life that we are seen to be making reasonable changes as and when they are required and abide by the Equality Act (2010) and therefore treat all of our customers fairly.
For further information on setting accessibility options please visit the relevant website as below:
- Internet Explorer
- Apple Devices
- Android Devices
Help us improve
We are continually looking at ways to improve our levels of accessibility and future goals include review and update of our web site to meet Web Content Accessibility Guidelines 2.0 - Level A checkpoints.
If you have found any difficulty in using this site, or have any suggestions on how we could make improvements, please email firstname.lastname@example.org. We would welcome your feedback.
Enterprise Privacy Statement
As an international financial service provider, Foresters Financial (“Foresters”) is committed to respecting your privacy rights and protecting the Personal Information you provide to us. Collecting and using this information to provide our products and services to you is essential to our success and to conduct our business. Our privacy commitment is more than complying with the laws of each jurisdiction where we operate. It is about doing the right thing for our members and customers whose lives we touch everyday by using their personal information however we collect or receive it. We collect only the personal information necessary for these purposes and we are committed to protecting and safeguarding that information. We also ensure that our employees, representatives, suppliers and service providers adhere to our principles and standards when dealing with Foresters business, members and customers.
Foresters – The Independent Order of Foresters, its subsidiaries, licensed representatives and employees.
Personal Information – Any information about an identifiable individual, such as name, age, address, gender, government identification numbers, financial information, health information and medical records. It does not include publicly available information.
We adhere to the following ten principles when handling Personal Information:
We are responsible for Personal Information under our control. We have established a framework for privacy management across all our business operations and have designated individuals who are responsible for monitoring compliance with our principles, policies, standards and procedures.
We are transparent about our privacy practices and identify the purposes for which we collect, use, retain and disclose personal information.
Your knowledge and consent are required for the collection, use or disclosure of Personal Information, except as otherwise permitted or required by law. You may provide your consent in writing, verbally, electronically or through our or your authorized representative. Your consent may also be implied. This may occur, for example, where the law permits it, if you do not “opt out” of distribution of your Personal Information when we ask you.
We limit the collection of Personal Information to that which is necessary for the purposes we identify and we collect it fairly and lawfully.
Use, Disclosure and Retention:
We do not use, disclose or retain Personal Information for purposes other than those for which we collected it, except with your permission, or as permitted or required by law. We restrict the disclosure of Personal Information to those who have a need for, and the legal right to, the information. This may include our employees, licensed representatives or service providers who need the information to perform their duties, some of our business areas and subsidiaries who may, from time to time, offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to our customers. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to our customers. In some instances, our subsidiaries, employees, service providers, representatives, reinsurers, and any of their service providers may be located in other jurisdictions. Personal Information may then be subject to the laws of those other jurisdictions. We will not keep Personal Information longer than is necessary and will destroy or delete it in a manner that is appropriate for the sensitivity of the information, the media in which it is stored or retained, and as required by law.
We make reasonable efforts to keep Personal Information accurate, complete, and up-to-date as is necessary for the purposes for which we use it.
We classify Personal Information and take reasonable measures to protect it by administrative, physical and technical security safeguards that are appropriate to the sensitivity of the information. We make every reasonable effort to prevent any loss, misuse, disclosure or modification of Personal Information, as well as any unauthorized access to Personal Information.
We make information about our privacy policies and practices readily available to you subject to any exceptions permitted by law.
Upon written request, we inform you of the existence, use and disclosure of your Personal Information and give you access to it, subject to those exceptions permitted by law. You may verify the accuracy and completeness of your information and have it amended as appropriate.
Inquiries and concerns:
Our Chief Privacy Officer is located at our corporate head office in Toronto, Canada. We also have individuals responsible for privacy in each jurisdiction in which we operate. If you have any questions, concerns or complaints about the handling of your Personal Information at Foresters, please contact a local privacy officer.
Chief Privacy Officer
789 Don Mills Road
Toronto, ON M3C 1T9
416 467 2530
US privacy policies
Some of our websites may use online data collection tools or cookies to improve functionality, enhance security, evaluate the effectiveness of our websites and advertising campaigns, or provide visitors with a customized online experience.
Local privacy policies
Foresters is an international financial services provider operating in Canada, United States and the United Kingdom. We may supplement this privacy statement with more specific privacy policies that are in line with this statement and principles and, where appropriate, reflect the legal and operational requirements of our business operations or the countries in which we operate. We will provide you with these policies if they apply to your Personal Information. These specific policies will govern in the event of a conflict with this privacy statement.
Foresters – The Independent Order of Foresters, its affiliates, their licensed representatives, independent producers, and their officers and employees.
Personal Information – Any information about an identifiable individual such as name, age, address, gender, government identification numbers, financial information, health information and medical records. It does not include publicly available information.
Member – Current members, prospective members, former members, and any of their family members, beneficiaries and our Branch system participants.
In handling Personal Information in each of the jurisdictions in which we operate, we are guided by the following ten Privacy Principles:
- Identifying Purposes: The purposes for which Personal Information is collected will be identified by us, or through our or your authorised representatives.
- Consent: Your knowledge and consent are required for the collection, use or disclosure of Personal Information, except as otherwise permitted or required by law. Your consent may be expressed in writing. It may also be given verbally, electronically or through our or your authorised representative. It may also be implied. This may occur, for example where the law permits it, if you do not “opt out” of distribution of your Personal Information when we ask you.
- Limiting Collection: The collection of Personal Information shall be limited to that which is necessary for the purposes identified. Personal Information shall be collected by fair and lawful means.
- Limiting Use, Disclosure and Retention: Personal Information will not be used, disclosed or retained for purposes other than those for which the information was collected, except with the permission of the individual, or as permitted or required by law.
- Accuracy: Personal Information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
- Safeguarding information: Personal Information will be protected by security safeguards that are appropriate to the sensitivity of the information.
- Openness: Information about our privacy policies and practices for managing your Personal Information shall be made readily available to you.
- Individual Access: Upon written request, you will be informed of the existence, use and disclosure of your Personal Information and you will be given access to it subject to those exceptions permitted by law. You may verify the accuracy and completeness of your information and have it amended as appropriate.
- Inquiries and concerns: If you have any inquiries or concerns about our privacy policies and practices, please contact Foresters Chief Privacy Officer at:
789 Don Mills Road
Toronto, Ontario M3C 1T9
Why and how we collect Personal Information
Generally, we need to collect Personal Information for a variety of reasons, these might include:
- Understand your needs
- Determine your eligibility
- Continue to offer you the full range of products and services that we believe meet your changing needs
- Hold fraternal and community events and activities and to operate our Branch system
- Conduct market and industry research
- Meet our legal and regulatory obligations
Identify and mitigate potential risks or losses to Foresters
We collect only the information we need for the purposes we have identified to you. We will only use fair and lawful means to do so. We collect this information from the following sources:
- Information we receive from you on applications or other forms and through other means of correspondence, such as the telephone, mail or the internet
- Information about your transactions with us, our affiliates, or others
- Information we receive from a consumer reporting agency or other independent sources such as your employer
- In the case of medical or other health related information, additional sources such as your doctor(s) or other healthcare providers or facilities and independent medical information reporting agencies
Consent and Disclosure
We collect, use and share your Personal Information only for disclosed purposes related to the insurance, benefits and services we offer, and only with your consent, or as permitted or required by law. Your consent may be expressed in writing, or it may be given verbally, electronically, or through our, or your authorised representative(s). Your consent may also be implied or inferred from certain actions. You may withhold or withdraw your consent for us to collect, use and disclose your Personal Information, as long as there are no legal or contractual reasons preventing you from doing so. Depending on the circumstances, however, withdrawal of your consent may impact our ability to continue to provide you with the insurance, benefits and services you have requested.
The disclosure of your Personal Information will be restricted to those who have a need for, and the legal right to, the information.
Your Personal Information will (subject to any legal restrictions) only be provided to, or be accessible by:
- Our employees and representatives who need the information in the performance of their duties for us
- Our affiliates to resolve your concerns about any related benefits or services with us and to assist in any other matters
- Service providers needing the information in the performance of their duties for us, and to satisfy their obligations to us (we may use service providers to provide us with various services such as printing, mail distribution, information technology, data storage, administration, marketing including market research and promotional services, paramedical, claims adjudication, investigation and reinsurance)
- Any person or organisation to whom you gave consent
- Anyone who is otherwise authorised by law
If we receive a request to release your Personal Information, we will only do so upon satisfactory identification and proof of entitlement of the requestor, or as required or permitted by law.
Some of our business areas or affiliates may, from time to time, offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to you. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to you. We will share Personal Information with them for these purposes only if the law allows it.
Please note that we will NOT give your Personal Information, without your consent, to any non-Foresters organisation for the purpose of that organisation marketing their own products or services directly to you.
We will protect your Personal Information
We are responsible for all Personal Information in our possession, including information transferred to a third-party service provider or representative in order that we can provide you with insurance, a benefit or service. In some instances our employees, service providers, representative, reinsurers and any of their service providers, may be located in other jurisdictions. Your Personal Information may then be subject to the laws of those other jurisdictions, as well as the laws of the jurisdiction where you live. As a result, your information may be disclosed in response to demands or requests from government authorities, courts, or law enforcement in those countries.
We have developed and are continuing to enhance security procedures to safeguard and protect Personal Information against theft, loss, unauthorised disclosure, copying, and unauthorised use or modification. These include organisational measures such as security clearances, appropriate policies and procedures and limiting access on a “need to know” basis, and technological measures such as the use of passwords, encryption, firewalls and anti-virus software.
Retention of Personal Information
We will only keep your Personal Information in our records for as long as it is needed to fulfill the identified purposes, or as required or permitted by law. Personal Information that is no longer required will be destroyed, erased or made anonymous. When we destroy Personal Information, we will use safeguards to prevent unauthorised access to the information during the destruction process.
Accessing and Amending
We will make all reasonable efforts to ensure that any Personal Information we collect and keep is as accurate, complete and current as required for the identified purposes. To do so, we will rely to a large extent on you to provide us with accurate information and to inform us of changes, such as changes in your contact information. You have the right to access and verify your Personal Information maintained in our files and to request that any factually inaccurate Personal Information be corrected, if appropriate.