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You don’t know what the future holds for your children or grandchildren. But you plan anyway, guided by your knowledge and experience. Whether it’s figuring out what hobbies they could pursue or what school they should attend, you take steps to give them the best life possible as they get older.

To help protect your child or grandchild’s future, you can also consider getting them life insurance. It can be a timeless, sustainable reminder of how much you care for the ones you love.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.​

This webpage is provided for information purposes only; it does not form part of the Foresters BrightFuture Whole Life Insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Life insurance contracts are underwritten and issued by The Independent Order of Foresters, a fraternal benefit society. Foresters BrightFuture and its riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the Foresters BrightFuture Whole Life Insurance contract for your state for these terms and conditions. Foresters BrightFuture 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 BrightFuture: ICC20-JV-WL-US01 or WL-JV-XX01-2020​.
Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTI-XX01-2014 or TRAD-ABRTI-XX01-2016​
Guaranteed Insurability Rider: ICC20-WL-JV-GIR-US01 or WL-JV-GIR-XX01-2020​
Common Carrier Accidental Death Rider: ICC19-WL-CCADR-US01 or WL-CCADR-XX01-2019​
Family Health Benefit Rider: WL-FHB-XX01-2011​


1 Gifting a certificate may have tax consequences. Foresters, its employees and life insurance representatives, do not provide, on Foresters behalf, legal or tax advice. Prospective purchasers should consult their tax or legal advisor.​

2 The payment, due to diagnosis of a terminal illness, may be less than the acceleration amount if there is an outstanding loan or unpaid premiums. Payment will decrease certificate values and benefits. Receipt of the accelerated death benefits may affect eligibility for public assistance programs and may be taxable. ​

3 Foresters members are insureds under a life or health insurance certificate, or annuitants under an annuity certificate, issued by The Independent Order of Foresters, or social fraternal members. Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.​ ​

4 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. ​

418889 US (07/20)

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