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What is variable life insurance?

elderly man smiling with children

Variable life insurance is a form of permanent insurance that offers both the traditional protection of a death benefit and the opportunity to accumulate cash value. With variable life policies you direct the investment of the policy's cash value. Each time you pay a premium a portion is allotted toward insurance expenses and the remaining funds are allocated to a series of subaccounts, each with their own objective and risk level. These subaccounts can consist of stock, bond or money market portfolios which are managed by professional money managers. The policy's death benefit and cash value are linked to the performance of the subaccounts underlying funds, therefore they can increase or decrease in value and are linked to the performance of the underlying subaccounts.

Why consider variable life insurance?

A Variable Life policy is designed for individuals who want death benefit protection and the potential for growth through cash value accumulation. In short, if you need permanent life insurance protection and are comfortable with investment risk, then a Variable Life policy may be right for you.

 

Our variable life insurance options

ISP CHOICE Variable Life Insurance
ISP10 EXPRESS Variable Life Insurance
Single Premium Variable Life Insurance
Variable Universal Life

 

Foresters Financial™ also offers

All guarantees are based on the financial stability and claims paying ability of Foresters Life Insurance and Annuity Company, 40 Wall Street, 10th Floor, New York, NY 10005.

For more information about any variable life insurance Products or from Foresters Financial, you may obtain a free prospectus by downloading it on our website, contacting your Representative or calling 800 423 4026. You should consider the investment objectives, risks, fees or charges, and expenses carefully before you purchase a policy. Variable insurance products, contract and underlying subaccount prospectus, contains this and other information, and all applicable prospectuses should be read carefully before you purchase a policy or send money. These products are not bank deposits and are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Variable Life insurance is underwritten by Foresters Life Insurance and Annuity Company and distributed by Foresters Financial Services, Inc. Both companies are located at 40 Wall Street, 10th Floor, New York, NY 10005.

413405 US (02/16)

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