A more resilient future
Improving our operations and investing with tomorrow in mind
Supporting thriving communities with purpose-driven actions
At Foresters, we believe responsible business means making thoughtful operational choices that support the long-term well-being of families and communities. For us, reducing emissions is part of how we help ensure thriving communities today and for generations to come.
In North America, we’ve leaned into smarter operations, from consolidating office space and more automation in our head office to enhance boiler efficiency to minimizing energy usage outside of business hours.
In the UK, we have maintained emissions levels despite a growing workforce by transitioning more of our sales force to hybrid and electric vehicles. Continued procurement of zero-carbon electricity has further supported our efforts to keep emissions low.
Foresters global office and fleet carbon emission reduction
Tonnes of CO2e in our own operations (Scope one and two)
19%
Reduction from 2023 to 2024 9
9%
Reduction from 2024 to 2025 10
Foresters North America and UK office and fleet carbon emission 2024 vs 2025
Tonnes of CO2e in our own operations (Scope one and two)
— North America —
3%
Drop in carbon emissions in 2024 vs 2025 in Foresters Canadian headquarters 11
— UK —
26%
Drop in carbon emissions in 2024 vs 2025 in Foresters UK head office and fleet 12
Investing to protect tomorrow
Helping our members build secure financial futures means making smart, responsible choices with how we invest.
That includes working with asset managers who consider the broader impact of their decisions on people, communities and long-term outcomes. These partners take into account environmental, social and governance factors as part of their process, helping us manage risk. In 2025, The Foresters General Account also added MetLife as a new manager. MetLife has been a United Nations Principles for Responsible Investments signatory since 2019.
100%
of the asset managers engaged by Foresters are United Nations Principles for Responsible Investment signatories 13
$740 million+
Invested in green, social or sustainable bonds 14 and the UK Sustainable Future Managed Fund (as of December 31, 2025)
Across Canada and the US, our investments include green, social and sustainable bonds and projects supporting clean energy.
7.5%
The 2025 target goal of investments into green, social or sustainable bonds with our North American core managers
9%
The 2025 percentage of investments in green, social or sustainable bonds achieved with our North American core managers
$527 million CAD
The dollar amount invested in green, social or sustainable bonds with our North American core managers after exceeding our original target 15
Our UK sustainable fund
In 2023, we launched our Foresters Stakeholder Sustainable Future Managed Fund. Professionally managed by Schroders, the fund invests at least 70% in companies and countries working to lower carbon emissions or are already keeping their carbon emissions low. Our UK Sustainable Future Managed Fund adopted the newly launched “Sustainability Mixed Goals” sustainability label in 2025.
11%
Of new UK business is invested in the Sustainable Future Managed Fund in 2025 when the customer has chosen to invest in a Stakeholder Product
Together we're shaping tomorrow
421355 CAN (04/26)
9 2023 comparison figures have been adjusted to reflect that the scope 1 UK gas emissions are natural gas instead of biogas as originally reported. Figure is rounded to the nearest whole number.
10 Calculated internally based on GHG Protocol, consistent with ISSB, TCFD recommendations.
11 Calculated internally based on GHG Protocol, consistent with ISSB, TCFD recommendations. Figure is rounded to the nearest whole number.
12 Calculated internally based on GHG Protocol, consistent with ISSB, TCFD recommendations. 2024 comparison figures have been adjusted to reflect that the scope 1 UK gas emissions are natural gas instead of biogas as originally reported. Figure is rounded to the nearest whole number.
13 https://www.unpri.org/signatories
14 Green, social or sustainable bonds held in Foresters asset portfolios have been represented by their respective issuers in public securities filings to be in alignment with green or sustainable principles established by the International Capital Market Association. For more information, please visit www.icmagroup.org/ sustainable-finance. US$ and £ values have been converted to CAD$ using the spot rate on December 31, 2025.
15 Green, social or sustainable bonds held in Foresters asset portfolios have been represented by their respective issuers in public securities filings to be in alignment with green or sustainable principles established by the International Capital Market Association. For more information, please visit https://www.icmagroup.org/sustainable-finance. US$ values have been converted to CAD$ using the spot rate on 31/12/2024.
16 Percentage of new business when the customer has chosen to invest in a Stakeholder Product. At the start of their journey the customer choses to invest in either a Shariah product or a Stakeholder product.