Premium paying periods
Select the premium paying period that is most convenient for you, 10 years, 20 years or the life of the certificate

Dividend options
As a participating product, Advantage Plus is eligible to receive dividends if and when Foresters declares them. A dividend is a portion of our earnings available for distribution annually to the certificate owners. The following dividend options are available at issue:

• Paid-up additional insurance
• Dividends on deposit
• Premium reduction
• Cash payment
• Enhanced insurance

Charity Benefit provision
Advantage Plus includes a Charity Benefit provision so you can donate to your favourite registered charity. This contractual provision is automatically included at no additional premium and does not impact your death benefit. When a claim is paid to the beneficiaries, Foresters will pay³ an additional 1% of the basic insurance amount to a registered charitable organization as designated by the owner. The payment is made as a donation in the name of the insured.

Children’s Insurance Benefit
Advantage Plus has a built-in Children’s Insurance Benefit which provides $3,000 of term insurance for each insured child until they turn 25. During certain periods of time, the $3,000 of term may be converted to permanent insurance and an additional $7,000 of permanent coverage may be purchased on that child without evidence of insurability.

Juvenile Guaranteed Insurability Benefit
The Juvenile Guaranteed Insurability Benefit allows the insured to purchase additional insurance on specific dates without evidence of insurability if the primary life insured is under 18 when the Advantage Plus certificate is issued.

Quit Smoking Incentive Plan
Smokers will automatically benefit from a 2-year premium reduction with the Quit Smoking Incentive Plan. If the primary insured person is classified as a Smoker, and is at least 16 years old on the certificate issue date, we will charge Non-Smoker premiums for the first 2 certificate years. If at any time before the second certificate anniversary the owner submits evidence we consider satisfactory (as to the smoking habit of the insured person) the lower premiums will continue.

Expert Medical Opinion Program
The insured person may be eligible, at no additional cost, to access Advance Medical’s program Expert Medical Opinion Program.⁷ The insured person’s spouse or domestic partner and the insured’s dependent children up to age 18 may also be eligible. This program provides an authoritative second opinion on medical issues from some of the world’s leading experts.

Riders allow you to customize your coverage to your personal circumstances and future goals. Advantage Plus offers a number of optional riders including:

• Additional Purchase Option to increase coverage and add additional cash value
• Term 10, Term 20, and Term 30 riders to cover other needs for a specific period of time, such as a mortgage
• Children’s Term Insurance Rider, an affordable way to extend coverage to children and protect against future uninsurability
• Accidental Death Rider to cover other needs for a specific period of time, such as a mortgage
• Guaranteed Insurability Rider to purchase additional coverage without providing evidence of insurability
• Waiver Premium Rider to maintain coverage in case the insured becomes totally disabled and unable to work