Skip to content Skip to footer site map

Dad and two teenage kids huddled together looking at laptop

What is a flexible pay longevity annuity?


It is a deferred income annuity contract that allows you to create a future income stream with multiple purchase payments, after which you will begin to receive guaranteed1 monthly income for the rest of your life.

Why consider a flexible pay longevity annuity?


This product provides guaranteed1 supplemental income for your retirement years. It gives you the opportunity to accumulate retirement income at a time when employer-sponsored defined benefit plans are declining. The annuity serves as a financial backstop or safety net during your retirement years.

1 All guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company.
2 Under current federal tax law, the portion of each annuity payment that represents earnings is taxed as ordinary income.
3 Chosen at the time of purchase.

Annuity contracts contain certain exclusions and limitations as well as terms for keeping them in force and for the payment of benefits. For complete costs and details, see your Representative. Contract guarantees apply only to certain annuity features and are subject to the claims-paying ability and financial strength of Foresters Life Insurance and Annuity Company.

Contract availability and features are subject to eligibility criteria and state variations. Annuities are not bank deposits and are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.

Neither Foresters Financial nor its affiliates provide legal, tax or estate planning services. Should you require such services, you should consult a legal, tax or estate planning professional.


The Flexible Pay Longevity Annuity is approved in these states with the following form numbers: FPDA-1 (10/14)(CA), FPDA-1 (10/14)(CT), FPDA-1 (10/14)(DE), FPDA-1 (10/14)(DC), FPDA-1 (10/14)(FL), FPDA-1 (10/14)(ND), FPDA-1 (10/14)(NY), FPDA-2 (10/14)(CA), FPDA-2 (10/14)(CT), FPDA-2 (10/14)(DE), FPDA-2 (10/14)(DC), FPDA-2 (10/14)(FL), FPDA-2 (10/14)(ND), FPDA-2 (10/14)(NY)

The following states are approved as form number ICC14-FPDA-1 (10/14) and ICC14-FPDA-2 (10/14): AL, AR, AZ, CO, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY.

The Flexible Pay Longevity Annuity is issued by Foresters Life Insurance and Annuity Company, 40 Wall Street, New York, NY 10005, 800 832 7783 and distributed by Foresters Financial Services, Inc., 40 Wall Street, New York, NY, 10005, 800 423 4026.

Ready to take the next step? Find an advisor/agent