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