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The Legal Notices

Reliance on information in this website

We have taken all reasonable care to ensure that the information contained in this website is accurate, complete and up-to-date and that it complies with the requirements of UK Legislation, regulations and codes of practice including the British Code of Advertising Practice.

However, please bear in mind that all information on this site is being supplied free of charge and that information has not been tailored for your particular requirements. We therefore cannot give any warranty or representation as to its needs and requirements, accuracy, completeness or reliability and we cannot accept any liability for any loss you may incur as a result of relying on that information.

Unless clearly indicated on this website, the information on this website is not intended to constitute any offer by us to enter into a contract with you.

You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is free from viruses. This applies to any software loaded from this website, so please virus check all software loaded from this website and check it is compatible with your computer.

Copyright and Trademark Notice

Please note that all the contents, the layout and the code of this website are copyright works owned by Foresters.

We are happy for you to download or print off copies of the contents of this site for your personal use and information but any copying or adaptation of the contents, layout or code of this website for any business purpose without our specific consent will constitute copyright infringement.

Please note that we are not the owner of copyright in other websites to which this site is linked and that you should check those websites before copying any materials from them. We acknowledge the copyright and any moral rights to third parties in those other websites.

Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns Foresters™ and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S and European Union trademark laws. All rights reserved.

Law and language

The applicable law governing the contents and use of this website and any disputes arising from it is English Law and any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the English courts.

This website is intended for use by citizens of the United Kingdom only. This website is not intended for distribution to, or use by, any person in a country where such distribution would be contrary to local laws or regulations.

As Forester Life is based in the United Kingdom, our Plans are subject to the law of England and Wales, and we will always communicate with you using the English language.

Your Rights of Privacy

Foresters is committed to protecting the privacy of all visitors to our website.

Foresters does not capture and store any personal information about you when you access this website, except when you choose to give us your personal details by email or by enquiring about any of our services or products. In these cases the information you provide will be held by Foresters and may be used in the following ways:

To assist us to efficiently provide the service(s) you have requested For research and analysis purposes To contact you, from time to time, about financial and other products or services offered by Foresters and selected third parties which we feel may be of interest to you.

You have the right to see a copy of the personal data that we hold about you and you can make us change any information that is incorrect. Please address any request to our Data Protection Officer at Foresters, Foresters House, 2 Cromwell Avenue, Bromley, BR2 9BF.

For further information please see our Privacy Policy.

Use of Cookies

Cookies are pieces of information that a website transfers to your hard drive following a visit to that website. Most web browsers automatically accept cookies but you can disable this function by changing your browser settings if you so wish. However, you may not be able to take full advantage of a website if you do so.

Please read our cookie policy for further information.

Your Agreement

By using this website, you agree to us collecting and processing this information in the ways we have described above. Any changes to our Privacy Policy will be posted on this page so that you are always kept informed of what information we collect and how we use it.

If you have any further questions about our Privacy Policy you may contact our Data Protection Officer at Foresters, Foresters House, Cromwell Avenue, Bromley, BR2 9BF.

Important Legal Information


Nothing within the pages of this site shall be deemed to constitute financial or other professional advice in any way. You should consult your financial adviser or other professional adviser if you require any financial or other professional advice.

Status disclosure and regulatory information

This web site only contains information on the products and services of Forester Life Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Forester Life Limited is registered as firm number 177898 in the Financial Services Register.

Company Registration:

Forester Life Ltd is registered in England number: 2997655.
Foresters UK Group registered VAT number: 654 0253 58.

Registered Offices for all the above: Foresters, Foresters House, 2 Cromwell Avenue, Bromley BR2 9BF. Tel: 020 8628 3400. Fax: 020 8628 3500.

Data Protection

All information provided by Foresters will be treated with the utmost confidence and respect.

Such information will be recorded on computer and used to assess applications or administer policies. It may also be used for fraud prevention or money laundering prevention. We may share your information with other organisations in the Forester Financial Group who may be based outside of the European Economic Area. We may share your information with our business partners and may contact you by mail, telephone, SMS, fax or email to let you know about any goods, services or promotions which may be of interest to you. If you do not wish to receive such information please write to our Data Protection Officer, Foresters House, Cromwell Avenue, Bromley, Kent BR2 9BF.

We keep records of our business transactions for at least six years. When you give us personal information about another person we will assume that they have appointed you to act for them and have consented to the processing of their personal data, including sensitive personal data.

View our Privacy Policy for more information.

Links to Other Sites

The links to other sites on the Internet are purely to allow you access to more information on related topics. Foresters does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you may leave the Foresters site.

1. Introduction
This Privacy Policy tells you the data we collect, why we collect it and how we use it for processing purposes. It has been developed so you can feel confident about the privacy and security of your personal information.

Throughout the Privacy Policy references to “you” include the child where applicable. “Your” has a corresponding meaning.

2. Who are we? 
We are Forester Life Limited (“Forester Life”) a company registered in England number 2997655 and a subsidiary of Foresters Financial. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters a fraternal benefits society based in Canada. Our UK registered office is Foresters House, 2 Cromwell House, Bromley BR2 9BF. Forester Life Limited (hereinafter Forester Life and Foresters) is a subsidiary of The Independent Order of Foresters. Forester Life is a Data Controller according to General Data Protection Regulations (EU-GDPR).

3. What is personal information?
Personal information means any information about you that identifies you, including your name, age, address, telephone number, email address, financial details, your Forester Life Plans and any other information from which you can be identified. It also includes location data and online identifiers which may identify you, such as your internet protocol (IP) address (the unique personal address which identifies your device on the internet) and mobile device IDs. 

Special categories of personal information (sensitive personal information) include details in respect to racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data (for the purposes of uniquely identifying a natural person), medical data and sexual orientation data.

4. Our Privacy Principles?
When we collect and use your personal information, we ensure we look after it properly and use it in accordance with our privacy principles set out below.

  1. Personal information you provide is processed fairly, lawfully and in a transparent manner.
  2. Personal information you provide is collected for a specific purpose and is not processed in a way which is incompatible with the purpose which we collected it.
  3. Your personal information is adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed.
  4. Your personal information is kept accurate and, where necessary kept up to date.
  5. Your personal information is kept no longer than is necessary for the purposes for which the personal information is processed.
  6. We take appropriate steps to keep your personal information secure.
  7. Your personal information is processed in accordance with your rights.
  8. We only transfer your personal information to another country or an organisation outside the European Economic Area where we have taken the required steps to ensure that your personal information is protected. Such steps may include placing the party we are transferring information to under contractual obligations to protect it to adequate standards.
  9. We do not sell your personal information and we also do not permit the selling of our customers’ data by any companies who provide a service to us

5. How do we collect your Personal Information
Whilst there are a number of ways in which we collect your personal information, the two main ways we might collect personal information about you are from things you tell us yourself, and from things we ask other people or organisations to share with us.

Things you tell us could include conversations we have on the phone, what you’ve written on an application form or information you share online. We might also collect information about you from other people and organisations, such as medical professionals and credit reference agencies, or by checking databases, such as the electoral register.

We collect personal information directly from you:

  • via our financial planning service when a Forester Life Financial Adviser visits you at your home and records the information you share during an assessment of your financial needs;
  • when you apply for a Forester Life Plan online;
  • when you make a gift payment into a Forester Life child’s savings either via our financial planning service, online, by telephone or by post;
  • when you complete a claim form or make an enquiry on our website
  • via feedback and opinions you provide us
  • when you fill out a survey, or vote in a poll on our website
  • through quotes and application forms
  • via cookies. You can find out more about this in our cookies policy
  • via our telephone calls with you, which may be recorded
  • via enquiries you make online when visiting our website

We also collect your personal information from a number of different sources including:

  • directly from an individual who has a Plan with us and with whom you are connected in some way, for example as a relative or a payer;
  • from credit reference agencies who are used to verify your identity and will source your details from databases such as the electoral register; 
  • from Social Media; and
  • via third parties including: representatives that are authorised to act on your behalf such as Power of Attorneys; medical professionals; and third parties such as companies who provide consumer classification for marketing purposes e.g. market segmentation data.

6. What personal information do we collect?
The information we collect depends on the Plan you apply for; for example if you are interested in finding out more or purchasing an investment or protection product, this will then determine the kind of information that will be required to confirm your eligibility for the product and successfully enrol you as a Foresters customers. If you apply for a Protection Plan (which may include life cover, critical illness cover and income protection cover) we collect information about your physical and mental health. We may also collect information about your physical and mental health if you make a claim against a protection Plan.

Where other individuals are associated with your Plan such as a life assured or a payer, we may ask you to provide the information below in relation to those people too, if this is relevant to your Plan.

We may collect the following information about you.

Personal information

  • contact details such as name, email address, postal address and telephone number;
  • details of any other persons included on the Plan where they are named on your Plan and the relationship to you as Planholder;
  • identification information such as your date of birth, national insurance number, passport and driving licence;
  • financial information such as bank details;
  • information relevant to your Plan such as previous policies or claims, recent contact with us;
  • information relevant to any claim or your involvement in the matter giving rise to a claim;
  • information obtained through our use of cookies. Further information related to this can be found in our cookies policy;
  • source of funds for investment (for large transactions);
  • tax residency (for large transactions); and
  • your marketing preferences, in particular your choice to ‘opt-out’ of receiving electronic marketing communications.

Sensitive personal information

  • details of your current or former physical or mental health.

7. How do we use your Personal Information
We use your personal information to provide you with a Forester Life Plan or benefits and to provide you with the right services based on your situation. This will ensure we can quickly contact you with updates containing critical information in relation to any claim or administrative request you may have raised with us, whilst ensuring that we also keep your information secure from fraudulent activity. In addition, there are a number of other reasons why we use your personal information. Please see below for a more detailed list of how we use your personal information.

We may process your personal information for a number of different purposes and these are set out in more detail in the below sub-sections. Under the EU-GDPR regulations, we need a reason to use and process your personal information and this is called a lawful ground. We have set out below the main reasons why we process your personal information and the applicable circumstances when we will do so. When the personal information we process about you is classed as sensitive personal information (Special Categories of data) we must have an additional legal ground for such processing, or where appropriate, we apply a specific exemption for insurance purposes.

  • Processing is necessary in order for us to provide your Plan and services, such as assessing your application and setting you up as a Planholder, administering and managing your Plan, providing all related services, providing a quote, handling and paying claims and encashments and communicating with you. In these circumstances, if you do not provide such information, we may be unable to offer you a Plan or process any claim.

  • Where we have a legal or regulatory obligation to use such personal information, for example, when our regulators, the Prudential Regulatory Authority, (PRA), the Financial Conduct Authority (FCA) and our data protection regulator, the Information Commissioner's Office (ICO) wish us to maintain certain records of any dealings with you.

  • Where we need to use your personal information to establish, exercise or defend our legal rights, for example when we are faced with any legal claim or where we want to pursue any legal claim ourselves.

  • Where we need to use your personal information for reasons of substantial public interest, such as investigating fraudulent claims and carrying out fraud, anti-money laundering and anti-terrorist financing checks.

  • Where we have a specific legal exemption to process sensitive personal data for insurance purposes. This exemption applies where we need to process your information as an essential part of the insurance cover, for example health data.

  • Where you have provided your consent to our use of your personal information. We will usually only ask for your consent in relation to processing your sensitive personal information (such as health data). This will be made clear when you provide your personal information. If we ask for your consent we will explain why it is necessary. Without your consent in some circumstances, we may not be able to provide you with services under your Plan or handle claims or you may not be able to benefit from some of our services. Where you provide sensitive personal information about a third party, we will ask you to confirm that the third party has provided his or her consent for you to act of their behalf.

  • Where we have appropriate legitimate business need to use your personal information such as maintaining our business records, developing and improving our products and services, all whilst ensuring that such business need does not interfere with your rights and freedoms and does not cause you any harm.

  • Where we need to use your sensitive personal information such as health data because it is necessary for your vital interests, this being a life or death matter.

The lawful grounds on which we may rely with respect to the use of your personal information are below:

Purpose for Data Processing

Personal Information Processed

Lawful Ground for Processing

To review and process your application, including where we provide you with a quote.

Your contact details, your age and the personal details of other person(s) related to your Plan.

Sensitive personal information regarding your health and medical history.


Lawful Grounds: This processing is necessary in order to provide your insurance Plan and is deemed to be in both the legitimate interest of Forester Life and you as the customer.

Lawful Grounds for sensitive personal information: Where appropriate, through application of an exemption for insurance purposes or you have provided your consent. Please note that, in some cases, if you do not provide your consent, we may not be able to play claims.

To set up, administer, provide and service your Plan, assess eligibility for and handling and paying claims.



Your contact details, your age and the personal details of other person(s) related to your Plan (guardian, payer, Registered Contact).




Lawful grounds: such use is necessary in order to provide your Plan and we have a legitimate businessneed to use your personal information to administer your Plan and handle any claims.

Lawful Grounds for sensitive personal information: Where appropriate, through application of an exemption for insurance purposes or you have provided your consent. Please note that, in some cases, if you do not provide your consent, we may not be able to play claims.

To communicate with you and resolve any complaints you may have.


Your contact details and any information relevant to your Plan.

Lawful grounds: such use is necessary in order to provide your Plan and we have a legitimate business need to resolve any complaints.

Lawful grounds for sensitive personal information: such use is necessary for the purposes of establishing, exercising or defending our legal rights, where you have provided your consent or where appropriate we have applied an exemption for insurance purposes.

To process your application to invest contributions or pay premiums for your Plan by regular amounts e.g. monthly.

Your contact details and bank account details.


Lawful ground: such use is necessary in order to provide your investment or savings Plan and is deemed to be in both the legitimate interest of Foresters and you as the customer.


For compliance monitoring and crime prevention.

Your contact details, your age and the personal details of other person(s) related to your Plan.

Information available in the public domain or on social media.

Lawful grounds: such use is necessary in order to provide your Plan and is deemed to be in both the legitimate interest of Forester Life and you as the customer, in order to prevent financial crime.

Lawful ground for sensitive personal information: we need to use your personal information for reasons of substantial public interest to prevent and detect financial crime.

For our own management information purposes including; managing our business operations such as maintaining accounting records, analysis of financial results, internal audit requirements, receiving professional advice (e.g. tax or legal advice). We also undertake measures to secure our system and to ensure the effective operation of our systems.


Your contact details, your age and the personal details of other person(s) related to your Plan.


Lawful grounds: we have a legitimate business need to use your personal information to understand our business and monitor performance in order to maintain appropriate records, so we can protect the security of our customer systems.

Lawful ground for sensitive personal information: Where appropriate, through application of an exemption for insurance purposes.

For analytical and research purposes and to improve our products and services.


Your contact details, your age and the personal details of other person(s) related to your Plan.


Lawful ground: we have a legitimate business need to use your personal information for services improvement.

Lawful ground for sensitive personal information: Where appropriate, through application of an exemption for insurance purposes under the UK Data Protection Act 2018.

Complying with our legal or regulatory obligations.


Details about you, other related parties and your Plan.


Legal ground: such use is necessary for us to comply with our legal and regulatory obligations.

Providing improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers); technology may include voice analytics.


Details about you and other related parties, your Plan having been discussed with you or your authorised representative during a telephone conversation with us.


Lawful ground: suchuse is necessary in order to improve the quality of the service related to your investment or savings Plan and is deemed to be in both the legitimate interest of Forester Life and you as the customer.

Lawful ground for sensitive personal information: Where appropriate, through application of an exemption for insurance purposes.

Providing marketing information to you (including information about other products) in accordance with preferences you have expressed.


Your name, contact details, marketing preference to receive communication.

Lawful ground: you have provided your acceptance to receive electronic marketingcommunications.

To communicate to you about your membership with Foresters Financial.

Your contact details and any information relevant to your membership.

Lawful ground: such use is necessary in order to provide your membership benefits and legitimate business interests so we can inform you of membership and community events.


8. Who may we disclose your personal information with?
We might share your personal information with two types of organisation – Foresters Financial, and other third parties outside the group. For further details of disclosures, please see below. We do not share any of your personal information other than for the purposes described in this Privacy Policy. If we share anything outside the group, it’ll be kept strictly confidential and will only be used for reasons that we’ve described.

We may also attempt to electronically verify your identity by providing your information to a credit reference agency that will compare your information with other databases to ascertain its authenticity.

We will not disclose any of your information to any other body or organisation except to prevent crime or if required by law or any law enforcement organisation.

Disclosures within Foresters Financial
In order to provide our services your personal information is shared with other companies within the Foresters Group. Your personal information might be shared for our general business administration, efficiency and accuracy purposes. Forester Life Planholders are members of Foresters Financial. Your personal details will be sent to the international headquarters of Foresters Financial the address of which is 789 Don Mills Road, Toronto, Canada M3C IT9, where Membership is managed. This information does not include your financial or Plan details. The Data Privacy regulation of Canada is the equivalent to that of the UK.

Disclosures to third parties
To complete our processes we may have to share your information with our service providers. These organisations will not use your information for any other purpose. If they are processing sensitive information such as medical details, then as Data Controllers themselves they are required to ensure such information is secured and only available to authorised persons.

We also disclose your information to the third parties listed below for the purposes described in this Privacy Policy. This might include: 

  • Your authorised representatives (on your behalf where you are incapacitated or unable)

  • Your medical, social and welfare advisers, or practitioners

  • Our insurance partners such as other insurers and reinsurers

  • Our third-party services providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, document management providers and tax advisers

  • Central and local Government Agencies (for example if they are investigating fraud or because we need to contact them regarding international sanctions)

  • The Financial Ombudsman Service and regulatory authorities such as the Financial Conduct Authority and the Information Commissioner’s Office

  • Other insurance companies, law enforcement agencies and organisations that maintain anti-fraud or other crime databases where reasonably necessary for the prevention or detection of crime

Disclosure of your personal information to a third party outside of the Forester Life will only be made where the third party has agreed to keep your information securely and shall only be used for the specific purpose for which we provide it to them.

We may also disclose your personal information to other third parties where:

  • we are required or permitted to do so by law or by regulatory bodies such as where there is a court order, statutory obligation or Prudential Regulatory Authority, Financial Conduct Authority or Information Commissioners Office request; or


  • we believe that such disclosure is necessary in order to assist in the prevention or detection of any criminal action (including financial crime) or is otherwise in the overriding public interest.

Some of the recipients set out above may be in countries outside of the EEA notably in (i) Canada, where the Foresters Financial headquarters is located. Where we make a transfer of your personal information outside of the EEA for the purposes described in this Privacy Policy we will take the required steps to ensure that your personal information is protected. Such steps may include placing the party we are transferring information to under contractual obligations to protect it to adequate standards.

9. How long do we keep Records for?
We will only keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Policy and in order to comply with our legal and regulatory obligations. The time period we retain your personal information for will differ depending on the nature of the personal information and what we do with it. How long we keep personal information is primarily determined by our regulatory obligations. We typically keep quote information for three years, and Plan and claims records for up to twenty years from the end of our relationship with you based on regulation and our Retention Policy.

10. Marketing
You are in control of how we use your information for marketing. We may use your information to tell you about products and services that could interest you.

Foresters are committed to providing you with an excellent customer service. Foresters Financial will keep you informed, from time to time about benefits to you and your family from your membership of Foresters, and Forester Life may keep you informed from time to time about relevant products and services that may help meet your financial needs.We may do this by post, email, or phone.

We will never disclose any your details to anyone outside of Foresters Financial for marketing purposes. If you wish to unsubscribe from emails sent by us you can always contact us to update your contact preferences. In such circumstances, we will continue to send you service related (non-marketing) communications where necessary.

In order to help us get to know you and identify what products and services may interest you we obtain information about you from other sources inside and outside the Foresters Financial for example, companies who provide consumer classification and market segmentation data for marketing purposes. Examples of these organisations are Experian or LexisNexis.

From time to time we may run specific marketing campaigns through social media and digital advertising that you may see which are based on general demographics and interests. Individual personal information is not used for these campaigns. If you do not want to see any campaigns then you will need to adjust your preferences within your social media settings and your cookie browser settings.

11. Your rights and your information 
You have the following rights in relation to our use of your personal information: 

  • The right to access your personal information;

    You are entitled to a copy of the personal information we hold about you and certain details of how we use it. There will not usually be a charge for dealing with these requests. Your personal information will usually be provided to you in writing, unless otherwise requested, or where you have made the request by electronic means, in which case the information will be provided to you by electronic means where possible.


  • The right to rectification; 

    We take reasonable steps to ensure that the personal information we hold about you is accurate and complete. However, if you do not believe this is the case, please contact us and you can ask us to update or amend it.


  • To request that if there is a dispute in respect to the accuracy or processing of your information, a restriction is placed on any further processing by us;

    In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that the personal information we hold about you may be inaccurate or where you think that we no longer need to process your personal information.


  • The right to erasure where it is no longer necessary; 

    In certain circumstances, you have the right to ask us to erase your personal information, for example where the personal information we collected is no longer necessary for the original purpose or where you withdraw your consent. However, this will need to be balanced against other factors, for example according to the type of personal information we hold about you and why we have collected it, there may be some legal and regulatory obligations which mean we cannot comply with your request.


  • To request that we transfer your information to another data controller;

    In certain circumstances, you have the right to ask that we transfer any personal information that you have provided to us to another third party of your choice. Once transferred, the other party will be responsible for looking after your personal information.


  • The right to object to the processing of your personal information;

    For certain uses of your personal information, we will ask for your consent. Where we do this, you have the right to withdraw your consent to further use of your personal information. Please note in some cases we may not be able to process your insurance if you withdraw your consent. 


  • The right to object to direct marketing;

    You can ask us to stop sending you marketing messages at any time by contacting us. 

  • The right not to be subject to automated-decision making;

    We not currently operate any automated decision making systems, but may do so in the future. 

  • The right to complain;

    If we have been unable to satisfy your concerns regarding any aspect of the processing or handling of the information you can contact the Information Commissioners Office (ICO) on:

    • Telephone helpline: 0303 123 1113 (local rate)
    • Email: visit
    • Post: Information Commissioners Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.

      You can make any of the requests set out above. Please note that in some cases we may not be able to comply with your request for reasons such as our own obligations to comply with other legal or regulatory requirements. However, we will always respond to any request you make and if we can't comply with your request, we will tell you why. 

      In some circumstances exercising some of these rights will mean we are unable to continue providing our services and may therefore result in the cancellation of your Plan. You will therefore lose the right to bring any claim or receive any benefit under your Plan, including in relation to any event that occurred before you exercised your right, if our ability to handle any claim has been prejudiced. Your Plan terms and conditions set out what will happen in the event your Plan is cancelled. 

If you would like to receive a copy of the data/information we hold about you or to authorise someone to act on your behalf. Please complete this form with details of your request.

12. Telephone Communications
We may monitor telephone calls and retain recordings of them. Before discussing any Plan details or exchanging any personal information we will check your identity to ensure we are speaking to the correct person. We record telephone calls for the following reasons:

  • For quality control and training;
  • To prevent unauthorised use of our telecommunications system; and
  • To meet our legal obligations.

13. Changes to this Privacy Policy
We reserve the right to amend or modify this policy at any time and in response to any changes in applicable data protection and privacy regulation.

If we change this policy, we will post those changes and may place notices on our website.

14. Contact Details for Data Protection Officer
If you wish to contact our Data Protection Officer the details are below:

The Data Protection Officer
Foresters Financial
Foresters House
2 Cromwell Avenue

Email address:

15. Forester Life's Data Privacy declaration
Your personal information helps us give you a better, more personalised service. But looking after that data is a big responsibility. We take our responsibilities seriously, so we keep your data safe, confidential and will never sell it. And, if you ask us to, we’ll tell you exactly what information we have so you can be sure it’s up-to-date and accurate.

Our mission is to help you with your savings and investments, personal insurance, and pension planning. Doing so involves the collection of data so that we may provide you with the right products and services to meet your needs.

This is why we considered it important to share with you the principles that will guide us with regard to the treatment of personal information.

Our Commitment to Safeguard Personal information
We know that respecting the confidentiality of personal information is critical to preserving your trust and therefore have developed various security procedures. We use a range of organisational and technical security measures designed to protect your personal information from unauthorised use or disclosure.

Our Commitment in Respect to the Use of Personal information
We collect your personal information and use it in compliance with data protection regulations.

We have in place procedures and contractual arrangements designed to ensure that all employees and service providers keep customer files confidential.

Our customers may entrust us with sensitive personal information in connection with insurance coverage we provide to them – both at the time of their initial application and during the term of their coverage. We view ourselves as custodians of this data and do not sell it to third parties outside Foresters Financial.

These are our continuing commitments to you. We will keep pace with future developments surrounding data privacy to adapt them to your evolving needs.

For more information, please feel free to contact

If you would like to download a copy of our Privacy Notice please click here.
Enterprise Privacy Statement

As an international financial service provider, Foresters Financial (“Foresters”) is committed to respecting your privacy rights and protecting the Personal Information you provide to us. Collecting and using this information to provide our products and services to you is essential to our success and to conduct our business. Our privacy commitment is more than complying with the laws of each jurisdiction where we operate. It is about doing the right thing for our members and customers whose lives we touch everyday by using their personal information however we collect or receive it. We collect only the personal information necessary for these purposes and we are committed to protecting and safeguarding that information. We also ensure that our employees, representatives, suppliers and service providers adhere to our principles and standards when dealing with Foresters business, members and customers.



Foresters – The Independent Order of Foresters, its subsidiaries, licensed representatives and employees.

Personal Information – Any information about an identifiable individual, such as name, age, address, gender, government identification numbers, financial information, health information and medical records. It does not include publicly available information.




We adhere to the following ten principles when handling Personal Information:

  1. Accountability: We are responsible for Personal Information under our control. We have established a framework for privacy management across all our business operations and have designated individuals who are responsible for monitoring compliance with our principles, policies, standards and procedures.

  2. Identifying Purposes: We are transparent about our privacy practices and identify the purposes for which we collect, use, retain and disclose personal information.

  3. Consent: Your knowledge and consent are required for the collection, use or disclosure of Personal Information, except as otherwise permitted or required by law. You may provide your consent in writing, verbally, electronically or through our or your authorized representative. Your consent may also be implied. This may occur, for example, where the law permits it, if you do not “opt out” of distribution of your Personal Information when we ask you.

  4. Limiting Collection: We limit the collection of Personal Information to that which is necessary for the purposes we identify and we collect it fairly and lawfully.

  5. Use, Disclosure and Retention: We do not use, disclose or retain Personal Information for purposes other than those for which we collected it, except with your permission, or as permitted or required by law. We restrict the disclosure of Personal Information to those who have a need for, and the legal right to, the information. This may include our employees, licensed representatives or service providers who need the information to perform their duties, some of our business areas and subsidiaries who may, from time to time, offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to our customers. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to our customers. In some instances, our subsidiaries, employees, service providers, representatives, reinsurers, and any of their service providers may be located in other jurisdictions. Personal Information may then be subject to the laws of those other jurisdictions. We will not keep Personal Information longer than is necessary and will destroy or delete it in a manner that is appropriate for the sensitivity of the information, the media in which it is stored or retained, and as required by law.

  6. Accuracy: We make reasonable efforts to keep Personal Information accurate, complete, and up-to-date as is necessary for the purposes for which we use it.

  7. Safeguarding information: We classify Personal Information and take reasonable measures to protect it by administrative, physical and technical security safeguards that are appropriate to the sensitivity of the information. We make every reasonable effort to prevent any loss, misuse, disclosure or modification of Personal Information, as well as any unauthorized access to Personal Information.

  8. Openness: We make information about our privacy policies and practices readily available to you subject to any exceptions permitted by law.

  9. Individual Access: Upon written request, we inform you of the existence, use and disclosure of your Personal Information and give you access to it, subject to those exceptions permitted by law. You may verify the accuracy and completeness of your information and have it amended as appropriate.

  10. Inquiries and concerns: Our Chief Privacy Officer is located at our corporate head office in Toronto, Canada. We also have individuals responsible for privacy in each jurisdiction in which we operate. If you have any questions, concerns or complaints about the handling of your Personal Information at Foresters, please contact a local privacy officer. 

Canada privacy policy
UK privacy policy
US privacy policies

Chief Privacy Officer
789 Don Mills Road
Toronto, ON M3C 1T9
416 267 2530


Online Privacy

Some of our websites may use online data collection tools or cookies to improve functionality, enhance security, evaluate the effectiveness of our websites and advertising campaigns, or provide visitors with a customized online experience. Please refer to our Cookie Policy.

Local privacy policies

Foresters is an international financial services provider operating in Canada, United States and the United Kingdom. We may supplement this privacy statement with more specific privacy policies that are in line with this statement and principles and, where appropriate, reflect the legal and operational requirements of our business operations or the countries in which we operate. We will provide you with these policies if they apply to your Personal Information. These specific policies will govern in the event of a conflict with this privacy statement.


Forester Life is committed to making our web site accessible to all our customers.


The web site is designed to be guided by the W3C's Web Accessibility Initiative (WAI) and be in accordance with web content accessibility guidelines 2.0 - Level A checkpoints.

It is important to Forester Life that we are seen to be making reasonable changes as and when they are required and abide by the Equality Act (2010) and therefore treat all of our customers fairly.


Accessibility Setting

For further information on setting accessibility options please visit the relevant website as below:

  • Chrome
  • Firefox
  • Internet Explorer
  • Apple Devices
  • Android Devices

Help us improve

We are continually looking at ways to improve our levels of accessibility and future goals include review and update of our web site to meet Web Content Accessibility Guidelines 2.0 - Level A checkpoints.

If you have found any difficulty in using this site, or have any suggestions on how we could make improvements, please email We would welcome your feedback.

Last Updated: November 19, 2021


This Cookies Policy (“Policy”) describes how and why Foresters Financial (“Foresters Financial”, “we”, “us”, and “our”) uses cookies on our websites.  This Policy applies to Foresters websites and sites that link to the Policy (the “Website”) and includes:

  • MyPlans

What are cookies?

Cookies are small files, often containing a unique identifier, that websites store on your browser or device when you visit the website or app in order to remember information about you. Cookies are important to ensure that websites and web services are able to function properly, they help to personalise and improve your website experience, and can provide information about how you use the website. Those cookies are set by us and are called first party cookies.

We also allow third party cookies – these are cookies set by a domain other than the website or application you are visiting, such as for analytics or advertising purposes.

We may also use web beacons and pixel tags which are small pieces of code placed on a webpage to monitor the behaviour and collect data about website visitors (for example, to count the number of visitors to a webpage, to deliver a cookie or to confirm if you have opened an email from us).

What are the types of cookies we use?

Our Website uses three main groups of cookies, as described below:

We use required cookies to enable our Website to function properly, including to allow you to navigate and access secure areas of the Website.

We use functional cookies to allow us to analyse and measure Website usage, and to improve performance and functionality.

We use advertising cookies to permit Foresters or advertising companies to serve ads that are relevant to your interests.  

Our Website uses two types of cookie durations - persistent and session cookies. Persistent cookies are cookies that remain on your device for a specified duration of time or until you manually delete them or object to them. Session cookies are temporary cookies that expire at the end of the browser session (e.g., when you leave our Website or close your browser).

To learn more about the type of cookies we use and why we use them, click“Cookie Preferences” in the footer of any page, then click on “View cookie settings” and then “Advanced settings.”

Setting your cookie preferences

When you first visit our Website, and periodically thereafter, we will inform you of why we use cookies, and you will have the opportunity to control the non-essential cookies you choose to accept by either clicking on “Agree and proceed” or on “More information” to select which cookies to accept or reject.

You mayset or change your cookie preferences at any time by clicking “Cookie Preferences” in the footer of any page.

If you choose to reject or delete cookies, some or all of the functions on our Website may not be available to you.  If you use multiple devices to access our Website you should ensure that the browser on each device is adjusted to suit your cookie preferences.

It is important that your browser is set to accept required cookies otherwise you will not be able to enjoy the Website fully and your ability to use certain features and functionalities may be impacted.

A useful resource to learn more about managing cookies can be found at

Links to other third-party sites

If you follow a link from our Website to a third-party website, please be aware that the owner of the third-party website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their Website. When viewing videos on this website they are being viewed through a third-party video player. These video players (example YouTube) will place cookies on your device. These cookies are required to play the video on our Website and may also be required to support website accessibility for people with disabilities.

Contact us

You may contact us for more information on our use of cookies at:

Data Protection Officer
Foresters Financial
Foresters House
2 Cromwell Avenue



420309 UK (11/21)