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dad and daughter bbqing - Bright Future

To help protect your child or grandchild’s future, an important option to consider is life insurance. Just like planning the school they attend or teaching them new skills that will help them grow, life insurance can be a timeless, sustainable reminder of how much you care for the ones you love.

You may have many questions about this kind of insurance. BrightFuture by Foresters is a whole life insurance contract designed specifically for those currently under the age of 18 that comes with many attractive features that can help bring you peace of mind.

Q: How does purchasing BrightFuture life insurance for my child or grandchild help protect them?

You can guarantee your child or grandchild’s future insurability at a low cost. No matter how their health unfolds as the years go by, you know you’ve secured cost-effective permanent life insurance coverage for them. Plus, with the built-in Guaranteed Insurability Rider, they can be well positioned to purchase additional life insurance coverage at certain ages or specific life events (e.g. marriage) without any further underwriting at that time.

Q: What type of protection is available?

The premiums, death benefit amount and cash values are guaranteed for the child or grandchild’s lifetime. And with death benefit amounts ranging from $5,000 to $75,000, you can purchase the coverage you feel is appropriate.

Q: What happens when my child grows up?

As the owner of the certificate, you can decide to transfer ownership of the certificate to your child or grandchild at an age and time of your choosing.1 Once transferred, they can adjust any available coverage as they deem necessary.


Building purpose into their lives

With BrightFuture, you’re not just buying life insurance. You are also giving your child or grandchild the gift of a Foresters membership2. As they get older, they can appreciate being a part of a group of like-minded individuals keen to make a difference in the world. They may even take on a leadership role in the organization, helping to strengthen their local community. With membership, Foresters offers the kind of meaning today’s youth crave. Learn more about Foresters members here.

When will my child or grandchild be able to access Foresters member benefits?

Your child or grandchild will have access to member benefits and/or the member benefits portal when they turn 16. Some member benefits, such as LawAssure3 and hosting a Community Grants Program event, require an applicant to be 18. (However, they only have to be 16 to attend one of these events.)

Ready to take the next step? Connect with an agent today.

More information about BrightFuture life insurance

1 Insurability depends on answers to medical and other application questions and underwriting searches and review.

2 Descriptions of member benefits that you may receive assume that you are a Foresters Financial member. Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.

3 LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affiliated with Foresters. Some features not available in Louisiana. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a licensed attorney. Foresters Financial, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, estate or tax advice.

418888 US (07/20)

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