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Foresters Advantage Plus II Whole Life is a life insurance solution designed to help meet your financial needs and take care of your loved ones because it offers:

  • Death benefit amount, premium amounts, and cash values that are guaranteed for your lifetime.
  • Advantage Plus II Whole Life is a participating product, which means it has the potential for dividends. These dividends can purchase additional paid-up insurance and build additional cash value, be left on deposit to accumulate with interest, reduce premiums, or be paid in cash.

Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters Financial to be connected with an agent in your area.

1Dividend withdrawals or loans will reduce the death benefit and cash values and may affect how long the insurance contract is in effect. For loans, interest is charged daily at the current Foresters U.S. variable loan rates. Dividends are not guaranteed.

2Foresters Advantage Plus II Whole Life Insurance (US) is issued by The Independent Order of Foresters. Foresters Advantage Plus II and its riders are filed under the form numbers listed below, where “XX” represents either “US” or your state’s postal abbreviation, as applicable.

Foresters Advantage Plus II: ICC19-WL-US01 or WL-XX01-2019 or in NY, Whole Life: WL-NY01-2019; Accidental Death Rider: ICC19-WL-ADR-US01 or WL-ADR-XX01-2019 Term Rider: ICC19-WL-TR-US01 or WL-TR-XX01-2019 Single Paid-Up Additions Rider: ICC19-WL-SPUAR-US01 or WL-SPUAR-XX01-2019 Flexible Paid-Up Additions Rider: ICC19-WL-FPUAR-US01 or WL-FPUAR-XX01-2019 Children’s Term Rider: ICC19-WL-CTR-US01 or WL-CTR-XX01-2019 Guaranteed Insurability Rider: ICC19-WL-GIR-US01 or WL-GIR-XX01-2019 Waiver of Premium Rider: ICC19-WL-WPR-US01 or WL-WPR-XX01-2019 or in NY, Total Disability Waiver of Premium Rider: WPR-NY01-2019; Common Carrier Accidental Death Rider: ICC19-WL-CCADR-US01 or WL-CCADR-XX01-2019 Family Health Benefit Rider: WL-FHB-XX01-2011

Foresters products and their riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters Financial to be connected with an agent. 

3The payment of the ABR benefit, due to diagnosis of an eligible illness, may be substantially less than the acceleration amount which may be subject to a fee, an actuarial discount amount and other applicable deductions. Payment of an ABR benefit will decrease the certificate's face amount and death benefit.

(If applicable)
This is a rider that is attached to a life insurance policy that accelerates the death benefit on account of chronic illness and is not a health insurance certificate providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership Program and is not a Medicare supplement certificate.

(If applicable)
Accelerated Death Benefit Rider provides an option to accelerate a portion of the eligible death benefit and receive a payment. This is a life insurance certificate with a rider that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the rider. This certificate does not provide long-term care insurance subject to California long-term care insurance law. Payment of accelerated death benefits under these riders are intended to receive favorable tax treatment under section 101(g) of the Internal Revenue Code (26 U.S.C. Sec. 101(g)).

Receipt of the accelerated death benefits may affect eligibility for public assistance programs. Receipt of the accelerated death benefits may be taxable.

4Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal or tax advice. Prospective purchasers should consult their tax or legal advisor.

5Foresters will pay the eligible designated charitable organization in the name of the insured. The designated charitable organization must be an accredited 501(c)(3) organization under the Internal Revenue Code and eligible to receive charitable contributions as defined in section 170(c) of that code.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.

412729 US 04/20

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