|
|
 |
 |
Universal life insurance is about the flexibility. Like whole life insurance, a universal life policy builds your cash value, which is available to you at all times - through the premiums you pay and the interest earned.
Forester Passport is universal life insurance protection that gives you the flexibility and security to meet your financial vision. It not only has the potential to build cash value, but adapts to change as well as you do.
Change your coverage. Change your premium. Skip a payment - or double it. With Forester Passport, you get life insurance that's flexible enough to match your family's needs - whatever they are and whenever they change.
Flexible Coverage – Forester Passport lets you change your coverage as your needs fluctuate.
Flexible Premiums – As your finances change, you can increase or decrease your payments - or even skip a payment now and then - as long as there is enough cash value in your certificate to ensure that it won't lapse.
Flexible Access To Your Cash Value – Your Forester Passport certificate has the potential to accumulate cash value,
tax-deferred1. Whether you're buying a new home, funding a college education or supplementing retirement income, a large portion of this money is available to you, and can be accessed by either making a permanent withdrawal or taking out a loan against the cash value. (Withdrawals and loans have long-term implications for your certificate both in terms of cash value and benefits paid. Ask your Foresters Financial Representative for details and terms.)
Flexible Tax-free Benefits – You have two Death Benefit options regarding how the death benefit for your certificate will be paid, which can be changed after the first year if you wish. The level insured amount option pays the specified insured amount.
Guaranteed Minimum Interest Rate – While the interest rate paid on your account value will rise and fall with the market, you can be sure that your rate will never fall below the minimum guaranteed by Foresters (4% through the first ten years, and 3.5% thereafter).
Loyalty Bonus – After 10 years, Foresters will add a guaranteed 0.5% to the current declared interest rate paid on your account value, which will remain in effect as long as your certificate remains in force2.
|
Email this Page » Print this page » |
|
|
|
for Americans
