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Enriching lives and building strong communities

Foresters Financial helps members achieve their financial goals while making a difference in their communities.

The Foresters difference

At Foresters FinancialTM we help everyday families achieve their long-term financial goals. But we’re more than an international financial services provider. Through our heritage as a fraternal benefit society, we have a global network of members that is more than two million strong. To become a Foresters member, you can apply as part of the purchase of a life insurance product underwritten by The Independent Order of Foresters, which is a fraternal benefit society. Members enjoy unique member benefits1 including competitive academic scholarships, financial counseling and discounted legal services as well as opportunities to give back through volunteering opportunities.

Every year, we share our financial success to improve family well-being for our global network of member families and the communities where they live. In 2018 alone, Foresters invested more than $626 million2 in claims and member benefits including $1.85 million in competitive scholarships for students in the United States, Canada and the United Kingdom. We also provided over $3.84 million towards community initiatives such as Care Packages, Community Beautification, Create & Construct, Meal Help and Volunteer Support activities and Foresters Moments events where our members can spend quality time with their families at no cost.

From our start over 140 years ago, we have helped families build financial security, help each other and make a difference in their communities. Almost a century-and-a-half later, this commitment still sets us apart. We’re not another faceless financial institution. We stand for something more.

Well-being benefits - Helping to enhance your life

From your family to your future, Foresters has you covered. As part of our fraternal purpose, we offer our members a wide range of unique and complimentary benefits. It’s just one of the many ways we share our financial success with our members. You know we are here to support you when you need it most.


Members can access discounts on gift cards, everyday necessities, electronics and other online shopping opportunities. Plus, family-focused activities are more affordable with discounts on hotels, rental cars, theme parks, attractions and much more. Learn more

Lifelong Learning

A vast online learning library that you can access anytime, anywhere. Explore an interest, work towards a goal or just have fun learning something new. Learn more


This online document preparation service helps you create customizable wills, powers of attorney and healthcare directives. Find out how LawAssure can help you to protect your legacy. Learn more

Orphan Scholarships4

This benefit provides the children of deceased members with a renewable higher learning scholarship of up to $6,000 per year for up to four years. Visit to learn more.

Orphan Benefit4

This monthly payment of up to $900 per month per child may help you provide for your children in the event of the death of both you and your spouse. Visit to learn more.

Terminal Illness Loan4

If you become terminally ill, you may be eligible to receive an interest-free loan5 up to 75 per cent of the face value of your Foresters life insurance. Visit to learn more.

Member Governance - Developing leaders with our membership

Working within our 50 Branches, the elected Branch Councillors provide strong local leadership, helping to guide and support our impact in members’ communities. By participating in your local Branch, you can:

  • Develop valuable leadership skills for your personal life or career
  • Connect with fellow members who share your passion for community volunteerism
  • Be inspired by world-class speakers at our annual 3-day Leadership Development Conference, where Foresters takes all elected members to destinations such as Las Vegas or Orlando
  • Take part in a rewarding volunteer experience with a low time commitment

Looking for something bigger? Our elected Regional Councillors focus on the long-term strategic direction of Foresters member network. You will help shape programs that enrich a member’s experience and participate in development opportunities like skill-building workshops and expert talks. Learn more

Foresters Community Grants – Give back and connect with loved ones

Whether you want to volunteer in your community or create lasting memories with the people who matter most, Foresters Community Grants can make it happen. We invest over $5 million2 every year into our Community Grants so they can help you do more for the people and community around you. So, use a grant to donate books to a local library or create care kits for a shelter. Or bring your family together for some fun and meet people with similar interests. Have fun, help others and reconnect with Community Grants. Learn more

Foresters Care™ grant – A little help goes a long way

See. Act. Care for your community. This member benefit allows you to make a positive difference in your community with two yearly grants of $200 each. A Foresters Care grant activity requires minimal planning and is easy to execute on your own, so you can identify an immediate need and make a meaningful difference quickly. Learn more

Foresters Competitive Scholarship Program - Investing in our future

We believe that education and community are important. That’s why we award almost $2 million2 per year in renewable tuition competitive scholarships to members or their family members. The scholarship selections are based on factors that include good grades and community volunteer involvement and are available to eligible students pursuing post-secondary education at a university, community college or trade program. Learn more

Membership Matters

Healthy living, online security and financial wellness are just a few of the topics featured in our online member newsletter. New articles are added every month so why not sit back, relax and enjoy articles written with your interests in mind? To read articles and subscribe, visit Membership Matters.

412741 CAN (11/22)

1 Description of member benefits that you may receive assumes you are a Foresters 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.   

2 In Canadian dollars as of December 31, 2018.

3 LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affiliated with Foresters. Some features not available in Louisiana. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a lawyer. Foresters Financial, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, estate or tax advice.

4 Available to eligible members with an in force certificate having a minimum face value of $10,000 or if an annuity, a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months. Certificate includes an in force individual policy or annuity offered by The Independent Order of Foresters.

5 Not available as a member benefit in the states of Illinois or New York or on Accidental Death products.