Foresters financial strength

See how our financial strength helps members give back in our annual report

 

Download the report

Ongoing financial strength

Choosing Foresters Financial™ for your life insurance needs means benefiting from over 150 years of financial strength and stability. We understand that the well-being of your family couldn’t be more important; that’s why we take the upkeep of our financial strength seriously. It is the reason families put their trust in us.

The US branch of the Independent Order of Foresters (IOF) has a Risk-Based Capital (RBC) ratio of 541%, exceeding the guidelines developed by The National Association of Insurance Commissioners (NAIC) to make sure insurers set minimum levels of capital to support their business.

IOF’s financial strength, as measured by A.M. Best Company, is rated “A” (Excellent) and has been for the past 25 years. The A.M. Best ratings reflect the overall strength and claims-paying ability of IOF but does not apply to the performance of any non-IOF issued product. An “A” (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. In assigning our ratings on October 10, 2025, A.M. Best stated that the rating outlook is “stable”, which means it is unlikely to change in the near future, assuming our financial strength is maintained and our operations grow.

In addition, DBRS Morningstar, the world’s fourth-largest credit ratings agency, has also confirmed IOF’s “A” Financial Strength Rating and Issuer Rating.1

Download the 2025 A.M. Best Online Rating Report

Key financial measures2

Total assets

(USD billions)

$14.3


Surplus

(USD billions)

$1.7


Total comprehensive income

(USD millions)

$118.9


Foresters Purpose impact

Every year, we publish our Annual Report to Members where you’ll find our financial strength highlights. But there’s more to it than that! It’s also filled with inspiring stories of real members giving back and uplifting their communities. Learn more about this impact and how we’re supporting our members’ financial well-being every day on our  Purpose impact page.

Download the 2025 Foresters Financial Report to Members 

 

 

Financial reports and policies

Get information on the financial performance of Foresters and find our policy on dividend-paying certificates.

Download the 2025 Financial Highlights

Download the 2025 IOF Consolidated Financial Statements

Download the Dividend policy

 

412738 US (04/26)

1 DBRS Morningstar Confirms Ratings on The Independent Order of Foresters at ‘A,’ Stable Trends – News release, July 03, 2025, https://dbrs.morningstar.com/research/457816/morningstar-dbrs-confirms-the-independent-order-of-foresters-issuer-rating-and-financial-strength-rating-at-a-stable-trends

2 All figures are presented in USD. The figures are based on consolidated financial results prepared in Canadian dollars as at December 31, 2025, with assets and liabilities converted into USD using the spot exchange rate of 1.3724 and total comprehensive income converted to USD using the annual average exchange rate of 1.3724. Refer to the IOF Consolidated Financial Statements for further information. Financial strength refers to the overall health of The Independent Order of Foresters. It does not refer to nor represent the performance of any particular investment or insurance product. All investing involves risk, including the risk that you can lose money.

The A.M. Best rating assigned on October 10, 2025, reflects the overall strength and claims-paying ability of The Independent Order of Foresters (IOF) but does not apply to the performance of any non-IOF-issued products. An "A" (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance, and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F; A++, and A+ being superior ratings and A and A- being excellent ratings. See ambest.com for our latest rating.