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What is whole life insurance?

If you are looking for a lifetime of protection, whole life insurance may be the ideal choice for you. As the name suggests, it is insurance for your whole life as long as the premiums are paid on time. 
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What is PlanRight Whole Life Insurance? 

Each of us will likely have to face the death of a close family member one day, and worrying about funeral costs will only add to the pain and grief. While there’s nothing we can do to ease the pain of loss, planning ahead can remove the financial burden of final expenses.

According to the National Funeral Directors Association, the national median cost of an adult funeral, with viewing and burial, in 2017 was $8,7551 And, this cost does not include the cemetery plot, monument, flowers, obituary or other cash expenses2, which could push the cost well over $10,000.


Foresters Financial also offers:

Universal life insurance
Term life insurance
Variable life insurance


Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.
1 This life insurance does not specifically cover funeral goods or services and may not cover the entire cost of your funeral at the time of your death.  The beneficiary of the life insurance may use the proceeds for any purpose, unless otherwise directed.

2 National Funeral Directors Association,
Life insurance contracts are underwritten and issued by The Independent Order of Foresters. a fraternal benefit society. Foresters Plan Right Whole Life 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 Plan Right Whole Life Insurance contract for your state for these terms and conditions. Foresters PlanRight and its riders are filed under the form numbers listed below. where "XX" represents either "US" or your state's postal abbreviation. as applicable. PlanRight: ICC19-WL-PRL-US01 or ICC19-WL-PRB-US01 or WL-PRL-XX0l-2019 or WL-PRB­XX0l-2019, Accidental Death Rider: ICC19-WL-PR-ADR-US01 or WL-PR-ADR-XX0l-2019, Common Carrier Accidental Death Rider: ICC19-WL-PR-CCADR-US01 or WL-PR-CCADR­XX0l-2019, Family Health Benefit Rider: WL-FHB-XX0l-2011, Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTI­XX0l-2014 or TRAD-ABRTIXX0l-2016
4 Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal, tax or estate advice. The information given here is merely a summary of our understanding of current laws and regulations. Prospective purchasers should consult their legal, tax or estate advisor.
5The 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.
6 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 to be connected with an agent.

Not for use in Oregon.

412730 US (12/19)

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