Advantage Plus Whole Life Insurance

Your life insurance needs are as unique as the changing needs of your family. Advantage Plus Whole Life² provides the flexibility to custom build a plan that will help you to provide financial security for your loved ones.

With Foresters Advantage Plus, you’re in control; building the coverage you want such as adding optional coverage for the unexpected.

Advantage Plus has lifetime death benefit protection, guaranteed cash value, and guaranteed premiums, with premium payment options of either a 20-pay or pay to age 100.

Because Advantage Plus is participating life insurance, you may also receive dividends¹ that can be used to purchase paid-up additions, left on deposit to accumulate with interest, used to reduce premiums or be paid in cash.

You can also borrow¹ against the cash values to help deal with temporary needs or emergencies and repay it later. Any outstanding loans, plus interest, will reduce your death benefit.

• Provides lifetime life insurance coverage (up to age 121)
• Guaranteed level premiums payable for either 20 years or to age 100
• Allows you to borrow and use the insurance as collateral for a loan (this will reduce the death benefit¹)
• Generally provides an income tax-free death benefit⁵

PLUS: Foresters New Charity Benefit provision - when a claim is paid to the beneficiaries, Foresters will pay⁶ an additional 1% (up to a maximum of $100,000) of the face amount to a registered charitable organization as designated by the owner.

Always start with life insurance coverage that you anticipate you’ll need to help ensure the financial security of your family if you happen to die prematurely. Think about both your current financial obligations as well as your future obligations. For additional coverage, you can add a Paid-up Additions Rider with a one-time payment or flexible payments. A Paid-up Additions Rider provides both additional death benefit and cash value.

By adding a 10 or 20 year Term Rider, you can maximize your coverage for short-term obligations, such as covering a mortgage. Term riders provide death benefit at a lower cost and can be converted to permanent coverage without additional evidence of insurability.

Advantage Plus² has additional built-in coverage that is automatically included with no additional premium:

• Accelerated Death Benefit Rider³: Provides an option to accelerate a portion of the eligible death benefit and receive a payment⁴. Subject to eligibility criteria and state variations, this rider can be issued with one or more of the eligible illnesses - Critical Illness, Chronic Illness or Terminal Illness with no additional premium.
• Common Carrier Accidental Death Rider²: Automatically included to provide an additional death benefit if you die of accidental injuries that occur while riding as a fare-paying passenger on a common carrier, such as a bus or a train.
• Family Health Benefit Rider²: Automatically included to pay a benefit you can use to help pay some certain family health expenses that may occur as a result of some natural disasters, such as earthquakes, hurricanes, and tornadoes.

In addition to the Paid-up Additions Rider and Term Riders, Foresters Advantage Plus also has optional coverage options to help you with the unexpected:

• Children’s Term Rider²: Provide term life insurance coverage for your children which can be converted to permanent coverage without evidence of insurability.
• Waiver of Premium Rider²: Waives your premium if you are totally disabled and unable to work for at least 6 months.
• Accidental Death Rider²: Add additional coverage in case of death due to accidental bodily injury.
• Disability Income Rider (Accident Only)²: Receive a monthly income benefit for up to two years. This income can help you maintain your family’s lifestyle, while you get back on your feet.

When you need money, you have the ability to borrow against the cash value that has built up in the Advantage Plus certificate at affordable interest rates, and pay it back later¹.