1 Financial strength and stability refers to the overall financial health of The Independent Order of Foresters. It does not refer to or represent the performance of any particular investment or insurance product. All investing involves risk, including the risk that you can lose money. To view financial statements for The Independent Order of Foresters, click here.
2 The A.M. Best rating assigned on August 18, 2016 reflects The Independent Order of Foresters overall strength and claims-paying ability but does not apply to the performance of investment products. An "A" (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. See ambest.com for our latest rating.
3This surplus, comprising assets of $13.7 billion and liabilities of $11.4 billion represents excess funds above the amount required as legal reserves for insurance and annuity certificates in force and provides additional assurances to our members for our long term financial strength. Financial results as at December 31, 2015. All figures in Canadian dollars as of December 31, 2015.
4Insurability depends on the answers to a few medical and lifestyle questions and an underwriting review, based on underwriting requirements and guidelines.
5 E-app is available only for non-med Term, Universal Life and Whole Life. Touch-to-Sign technology only available for iPad. E-app is not available in NY, MA, VT.
6Description of member benefits that you may receive assumes you are a Foresters Financial member. In the United States members may currently only be anyone insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters. If you are not an insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters, or are not a social fraternal member, then you are not a member. Foresters member benefits are non-contractual, subject to benefit specific Eligibility requirements, Definitions and limitations and may be changed or cancelled without notice.
7Accelerated Death Benefit Rider (ABR) is not available on Foresters PlanRight or Foresters Prepared. Foresters products and their riders may not be available or approved in all states, and state variations may apply. ABR is not available in CA and CT.
For producer use only
413171 US (9/16)