The Independent Order of Foresters, 789 Don Mills Road, Toronto, Canada  M3C 1T9; U.S. Mailing Address: PO Box 179, Buffalo, NY  14201-0179

As a Foresters member, you not only get a life insurance product based on your needs, but you could be eligible to enjoy a valuable package of complimentary benefits that are unique in the market.

Grants and Scholarships for children and grandchildren up to $8,000.

Orphan Scholarships provide children of a deceased member with scholarships of up to $6,000 per year per child.

Grants for local projects.

Terminal Illness Loan.

Orphan Benefits that pay $900 a month per child under age 18 if something unexpected were to happen to you and your spouse.

Everyday Money which is a toll-free and confidential phone-based financial helpline.

Legal Link to access free and discounted legal services.

Fun Family Events that are free or low cost.


FS Benefits of Membership Brochure



Lifefirst Level Term Life InsuranceLifefirst is a renewable and convertible level term life insurance product with initial terms of 10 and 20-year term (10-year term is only available on Medical basis). Premiums are guaranteed and level for the initial terms and annually increasing thereafter to age 100. The basic coverage includes two standard features at no additional cost – Common Carrier Accidental Death Rider and Family Health Benefit Rider.


FS Lifefirst Coverage at a Glance




FS Lifefirst Consumer Brochure



PlanRight Whole Life Insurance- PlanRight is a series of simplified issue permanent whole life insurance products to help cover final expenses. The insured may be eligible for one of three death benefits: Level, Graded or Modified. The coverage includes at no additional cost – a Common Carrier Accidental Death Rider. Issue age – 50 to 85.


FS PlanRight Whole Life Brochure



Advantage Plus Whole Life Insurance – A whole life product that will provide lifetime death benefit protection, dividends, guaranteed cash values and guaranteed premiums. It offers 2 payment options: 20 Pay and Paid-up at 100. Certificates will be issued on a non-medical or medical basis. The basic coverage includes two standard features at no additional cost – Common Carrier Accidental Death Rider and Family Health Benefit Rider. Issue age – 0 to 85.


FS Advantage Plus Coverage at a Glance





FS Advantage Plus Consumer Brochure




Smart UL Universal Life Insurance - A flexible premium adjustable life insurance that provides for lifetime insurance protection and has a strong potential for cash value accumulation, while offering all of universal life’s flexibility. It includes a 10-year minimum No-Lapse Guarantee, and has a 15 year surrender charge period. Certificates will be issued on a simplified basis and offer a choice of either a level or increasing death benefit. Issue age – 0 to 70. Minimum Face Amount: $25,000.


FS Smart UL Coverage at a Glance





FS Smart UL Consumer Brochure



Foresters Client Worksheets


FS Financial Resolutions Checklist





FS Member Review Worksheet





FS My Last Wishes





FS Life Insurance Buyers Guide NJ





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