Skip to main content

PlanRight Whole Life Insurance

Plan right today ease the burden tomorrow.

Whole life

What is whole life insurance?

As the name suggests, it is insurance designed for your whole life. Unlike term insurance, most whole life insurance products can build guaranteed cash value that you may be able to borrow against1.

Why choose whole life insurance?

According to the National Funeral Directors Association, in 2021 the national median cost of an adult funeral with viewing, burial and vault was $9,420.2 This cost does not include the cemetery plot, monument, flowers, obituary or other cash expenses, which could push the cost well over $10,000.

Whole life insurance can be a good choice if you are looking for permanent coverage with a guaranteed death benefit, cash value, and premium, particularly if you are thinking of coverage to help cover final expenses.


Whole life insurance with Foresters Financial

412730 US (11/22)

Not for use in 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 Loans can be taken if the certificate is in effect and has a positive cash surrender value. Loans will reduce the death benefit and cash values and may affect how long the certificate is in force. Interest is charged daily at the contractual loan rates. Death benefit payable is net of the outstanding certificate loan amount(s) (note loan amount includes accrued interest). If, at any time, the loan amount exceeds the cash value at that time, then the certificate will terminate. Loans may be considered a reportable tax event. You should consider consulting your tax advisor for details on your specific situation.

2 National Funeral Directors Association,

3 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. Foresters 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 or tax advice. The information given here is merely a summary of our understanding of current laws and regulations. Advise your clients and prospective purchasers to consult their tax or legal advisor.

5 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.