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Term Life Whole Life Universal Life Variable Universal Life Variable Life
Guaranteed death benefit Guaranteed death benefit Guaranteed death benefit Guaranteed death benefit Guaranteed death benefit
No cash value Guaranteed minimum cash value Guaranteed minimum cash value Guaranteed cash value only on fixed account Guaranteed cash value only on fixed account
Cash value does not grows or shrinks Cash value may increases based on dividends or interest rates Cash value will have variable rate determined by the insurers Cash value fluctuates with underlying subaccount performance Cash value fluctuates with underlying subaccount performance
Level premiums Level premiums Flexible premiums Flexible premiums Level premiums
No policy loans allowed Policy loans allowed Policy loans allowed Policy loans allowed Policy loans allowed
No cash withdrawals allowed Cash withdrawals allowed Cash withdrawals allowed Cash withdrawals allowed Cash withdrawals allowed
  1. Product underwritten by The Independent Order of Foresters.
  2. Product underwritten by Foresters Life Insurance and Annuity Company and distributed through Foresters Financial Services, Inc.
  3. LIMRA 2014 Life Insurance Awareness Month fact sheet 
  4. LIMRA: Life Insurance Barometer Study, 2012
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