Non-participating whole life insurance

Non-Par Whole Life offers the reassurance of whole life insurance, with a range of attractive benefits, options and add-ons.

Features and benefits

• Lifetime death benefit protection, guaranteed cash values and guaranteed premiums as long as the payments are made on time.
• Coverage type - Single Life, Joint First-to-die or Joint Last-to-die.
• Two different premium-paying periods – You can select the premium-paying option that is most convenient for you - 20 years or to age 100. 
• Bereavement Assistance - Upon the death of the insured, $1,000 in bereavement assistance is available to the beneficiaries to help cover counseling expenses.
• Quit Smoking Incentive Plan – Offers lower rates for the first two years of the policy. If the primary insured person is classified as a Smoker, and is at least 16 years old on the policy issue date, we will charge lower premiums for the first two policy years. If at any time before the second policy anniversary the owner submits evidence we consider satisfactory (as to the smoking habit of the insured person) the lower premiums will continue.
• Access to Advance Medical’s Expert Medical Opinion Program⁴ that may provide you with an authoritative second opinion on medical issues from some of the world’s leading experts, at no additional cost. The insured person’s spouse or domestic partner and the insured’s dependent children up to age 18 may also be eligible.

Riders

Riders are optional add-ons that allow you to customize your coverage to your personal circumstances and future goals. Non-Par Whole Life offers the following riders:

Term Riders - add additional layers of protection to cover shorter term risks for 10, 20 or 30 years.

Spousal Term Riders – your spouse can take advantage of additional protection for 10, 20 or 30 years 

Child Term Rider - term life insurance for your children that allows them to convert coverage to a Foresters permanent insurance plan without evidence of insurability at specified option dates.

Accidental Death Benefit Rider - an additional benefit to help your family when they need it most.

Disability Waiver of Premium Rider – helps maintain coverage if you are totally disabled and unable to work.