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What is whole life insurance?

Whole life is insurance designed for your whole life. Some whole life insurance products can also build cash value that you may borrow against to pay for things like home renovations or children’s college education. If you choose single premium whole life insurance, it may build cash value even faster since you only pay one premium up-front.

Participating whole life insurance (or ‘par’ whole life) can generate dividends1. Insurance contracts normally allow these dividends to be taken in cash, applied to reduce premiums, left to increase cash values or applied to buy additional insurance in the form of a paid-up addition (PUA).1

Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters Financial to be connected with an agent in your area.

1Dividend withdrawals or loans will reduce the death benefit and cash values and may affect how long the insurance contract is in effect. For loans, interest is charged daily at the current Foresters U.S. variable loan rates. Dividends are not guaranteed.

2Foresters Advantage Plus Whole Life Insurance (US) is issued by The Independent Order of Foresters. Foresters Advantage Plus and its riders are filed under the form numbers listed below, where “XX” represents either “US” or your state’s postal abbreviation, as applicable.

3This rider is not available for certificates issued with a base face amount of less than $25,000. On certificates where the insured’s issue age is higher than 75 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued. State variations and product limitations may apply. ABR is not available in CA or CT.

4The payment, due to diagnosis of an eligible illness, may be less than the acceleration amount which may be subject to a fee, an actuarial discount amount and other applicable deductions. Payment will decrease certificate values and benefits. Receipt of the accelerated death benefits may affect eligibility for public assistance programs. Receipt of the accelerated death benefits may be taxable.

5Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal or tax advice. Prospective purchasers should consult their tax or legal advisor.

6Foresters will pay the eligible designated charitable organization in the name of the insured. The maximum payment under this provision is $100,000. The designated charitable organization must be an accredited 501(c)(3) organization under the Internal Revenue Code and eligible to receive charitable contributions as defined in section 170(c) of that code.

Foresters Advantage Plus: ICC17-WL-US01 or WL-XX01-2017 Accidental Death Rider: ICC11-WL-ADR-US01 or WL-ADR-XX01-2011 Term Rider: ICC12-WL-TR-US01 or WL-TR-XX01-2012 Single Paid-Up Additions Rider: ICC17-WL-SPUAR-US01 or WL-SPUAR-XX01-2017 Flexible Paid-Up Additions Rider: ICC17-WL-FPUAR-US01 or WL-FPUAR-XX01-2017 Children’s Term Rider: ICC11-WL-CTR-US01 or WL-CTR-XX01-2011 Guaranteed Insurability Rider: ICC11-WL-GIR-US01 or WL-GIR-XX01-2011 Waiver of Premium Rider: ICC11-WL-WPR-US01 or WL-WPR-XX01-2011 Common Carrier Accidental Death Rider: ICC11-WL-CCADR-US01 or WL-CCADR-XX01-2011 Family Health Benefit Rider: WL-FHB-XX01-2011 Disability Income Rider (Accident Only): WL-DIR-XX01-2011

Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters Financial to be connected with an agent.

This product is a life insurance certificate that accelerates the death benefit on account of chronic illness and is not a health insurance certificate providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership Program and is not a Medicare supplement certificate.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.

412729 US 08/17

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