Protection Options

Helping you prepare for the future from as little as £10 a month with insurance options that suit your needs when protecting yourself and your loved ones.

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Our protection products offer a level of choice and flexibility and the amount you pay will depend on your personal details such as age, which benefits you choose, the length of time the cover applies for, occupation and medical history.

For nearly 150 years we have been providing affordable and straightforward financial solutions. We’re here to help at every step, from building the right Protection Plan for you, to support you and your loved ones if the unexpected happens.

 

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What is Personal Insurance?

Personal Insurance is a protection Plan that offers you cover against death, critical illness, terminal illness and your income against incapacity due to illness or injury.

 

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What is Mortgage Protection?

Mortgage Protection is a protection Plan to repay an outstanding mortgage or loan when faced with death, critical illness, terminal illness and permanent disability.

 

Your insurance options for Personal Insurance and Mortgage Protection

 

 

 

Life benefit icon

Life Benefit

Providing you cover in the event of death or a terminal illness. Available for Personal Insurance and Mortgage Protection.

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✔ Premature death and terminal illnesses cover

✔ Cover provided for minimum of 5 years up to age 85

✔ Optional extra of Waiver Of Premiums

✔ Personal Financial Advice face-to-face or video appointments

✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance

✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term

✔ Guaranteed option to increase cover as your circumstances change

 

 

 

 

Heart critical illness icon

Critical Illness

Provides cover for total permanent disability and critical illnesses. Available for Personal Insurance and Mortgage Protection.

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✔ Critical illness and total permanent disability cover

✔ Cover provided for minimum of 5 years up to age 65

✔ Optional extra of Waiver Of Premiums 

✔ Personal Financial Advice face-to-face or video appointments

✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance

✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term

✔ Guaranteed option to increase cover as your circumstances change

 

 

 

 

Life and Critical Illness cover icon

Combined Life and Critical Illness

Provides cover for either death, critical illness and permanent disability. Available for Personal Insurance and Mortgage Protection.

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✔ Death, terminal illnesses, critical illness and total permanent disability cover

✔ Cover provided for minimum of 5 years up to age 65

✔ Optional extra of Waiver Of Premiums

✔ Personal Financial Advice face-to-face or video appointments

✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance

✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term

✔ Guaranteed option to increase cover as your circumstances change

 

 

 

 

Hand coin Income protection icon

Income Protection

Protecting your income against long-term incapacity from an illness or injury. Available for Personal Insurance only.

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✔ Incapacity due to illness or injury cover

✔ Cover provided for minimum of 5 years up to age 65

✔ Waiver Of Premiums included 

✔ Personal Financial Advice face-to-face or video appointments

✔ Your claim payment starts after a suitable deferred period (3, 6 or 12 month options) and are paid tax-free as an annual income

What is Waiver Of Premiums?

If you are not in a high-risk occupation you can choose to have Waiver Of Premium cover when you apply for your Plan. This pays your premiums if you are unable to work due to incapacity. So, you can continue to cover yourself whilst you recover.

If you choose this cover, we’ll pay your premiums after six months of incapacity and continue to pay them until the first of these events: you recover and are no longer incapacitated, your 65th birthday, your cover ends or should you die.

Graph demonstrating level and decreasing cover for Forester Life Protection Plans

What is a level or decreasing term?

Depending on how you are repaying your mortgage you can choose to have your cover on a level (same amount throughout) or decreasing (pay less as the mortgage reduces) basis.

If you choose level cover the amount of your benefit will remain the same throughout the term of your Plan. You should normally consider this option if you have an interest only mortgage.

If you choose decreasing cover the amount of your benefit will reduce each year during the term of your Plan. You should normally consider this option if you are repaying your mortgage by regular instalment over the loan period.

DOING MORE FOR YOU

And those you love

 

Supporting you after a claim

You can’t emotionally prepare yourself to cope with a life-limiting illness and there is no manual on how to deal with the loss of a loved one. Whilst we can’t change these events, our protection products offer a Peace of Mind service.

This specialist advice service is staffed by experienced nurses who are on hand to provide expert help and guidance should the worse happen. Additionally a partner and children have access to bereavement counselling service, with up to six sessions at no additional cost.

 

Free will writing service

You can protect your family further with free personalised online document preparation, where you can create a Will, Power of Attorney, and healthcare directives from the comfort of your own home.

As a member you will have access to this and additional member benefits, such as giving back to the community you live in through granting applications, joining or even organising Family Fun events, as well as the option for you or your children to apply for a Scholarship and more.

 

The Peace of Mind service and Foresters member benefits are not regulated and non-contractual nor are they part of the Protection Plan Terms and Conditions. They may be subject to specific eligibility requirements, and they may be amended or withdrawn at any time without notice.

 

Personal Insurance

Key Features
Terms and Conditions

 

Mortgage Protection

Key Features
Terms and Conditions

Get your insurance quote

Our Financial Advisers are on hand to take you through your options and help determine the level of cover you are looking for and will provide you with an insurance quote. There is no charge for protection advice. 

Speak to a Financial Adviser

are you under insured?

Are you under insured?

Whether it’s Life Insurance, Critical Illness Insurance, Mortgage Protection or Income Protection, it’s important to protect your family’s financial future.

Read our article
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Glossary of terms

There are many terms to bear in mind, from the type of benefit you would require, to what you will need to understand in your application. Read our glossary of protection terms.

Learn more protection terms
Foresters Difference

We're making a difference

Foresters is not just a financial services organisation, our Purpose is to enrich family and community well-being. Helping is who we are, and it’s been so since the very beginning, since 1874.

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