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Prepared II Accidental Death Term Insurance

Live for today, prepare for the unexpected.

What is accidental death term insurance?

Accidental death term insurance is a term product that typically provides a death benefit to a specific age, and only pays out in the event of death due to an  accident. As accidental death term insurance typically has no cash value and is limited in duration, it’s usually the most affordable type of life insurance. It has a simplified application with just a few medical and/or lifestyle questions.

Why choose accidental death term insurance?

We can’t predict the future and unfortunately, accidents can happen. In fact, accidents are the fourth leading cause of death overall in the United States and the number one cause of death for people under the age of 44.1

Because it has limited number of medical and/or lifestyle questions, accidental death term insurance may be a good choice if you are not insurable for traditional life insurance, or you’re still thinking of life insurance and want some insurance protection for the short-term.

Accidental death term insurance with Foresters Financial

Prepared II Accidental Death Term Insurance

Foresters Prepared II Accidental Death Term Insurance2 is simple and affordable protection that may help secure your family’s financial future in case of a death from an unexpected accident.3 

Features and benefits

Prepared II provides accidental death insurance coverage to age 80 with guaranteed premiums. It generally provides an income tax-free death benefit.4

Coverage is available for ages 18 to 70, with face amounts between $50,000 and $500,000. Prepared II is underwritten on a Simplified Issue basis, meaning insurability depends on answers to medical and other application questions, and doesn’t require any bloodwork, saliva swabs, or visits from a Paramed.


Optional riders

For an additional premium the following optional riders may be available to enhance the benefits available to your family:

  • Disability Income Rider (Accident Only) may provide regular monthly income to help keep your family secure if an accident leaves you unable to work if you become totally disabled due to an injury.
  • Waiver of Premium Rider (Accident Only) may help ease the burden for your family by waiving your premiums during total disability after an accident so you can maintain your valuable insurance coverage.
  • Return of Premium Rider may return any eligible premiums you paid in the event you outlive your coverage term. Even if the certificate ends early, after the first five years, but before the end of the term is up, you may get back a portion of the eligible premiums you've paid.

419429 US (11/22) Not for use in Georgia or Oregon.

Foresters products and their riders are underwritten by The Independent Order of Foresters and 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 in your area.

1 Source: Centers for Disease Control and Prevention (CDC), 2020,

2 Foresters Prepared II 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 Prepared II Insurance contract for your state for these terms and conditions. Foresters Prepared II and its riders are filed under the following form numbers, where “XX” represents either “US” or your state’s postal abbreviation, as applicable. Foresters Prepared II: ADTERM-XX01-2020; Waiver of Premium Rider (Accident Only): ADTERM-WPR-XX01-2020; Disability Income Rider (Accident Only): ADTERM-DIR-XX01-2020; Return of Premium Rider: ADTERM-ROP-XX01-2020.

3 Subject to the terms, definitions and excluded risks of the insurance contract.

4 Foresters, their employees and life insurance representatives, do not provide, on Foresters behalf, legal or tax advice. The information given here is merely a summary of our understanding of current laws and regulations and is not specific to your situation. Prospective purchasers should consult their tax or legal advisor.