Foresters Advantage Plus e-kit

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Foresters Advantage Plus

e-kit

Advantage Plus Producer Guide – 503406 (11/14) Page 2

Advantage Plus Consumer Brochure – 503402 US (11/14) Page 14

Advantage Plus Coverage at a Glance Worksheet - 503404 US (11/14) Page 16

Budget Review Sales Sheet - 406742 US (01/12) Page 19

Lifestyle Protection Needs Sales Sheet - 406743 US (01/12) Page 20

Permanent Protection Needs Sales Sheet - 406744 US (01/12) Page 21

Foresters Financial Strength - 503515 US (05/14) Page 22

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503406 US (11/14) Foresters™ is the trade name and a trademark of The Independent Order of Foresters,

a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9. For Producer Use Only

Foresters

Advantage Plus

Producer Guide

Whole Life Insurance

This guide is for information purposes only and is intended to answer

your questions and provide ideas to help you sell Foresters Advantage

Plus Whole Life Insurance. Check Foresters™ producer website for other

tools to support your learning needs. You must ensure that you correctly

represent, to a customer or prospect, the product features based on

the actual wording of the applicable certificate and riders for your state.

Products and features may not be available in all jurisdictions, availability

may be modified from time to time and certain restrictions may apply.

Consult Foresters producer website for more detailed product information

and up to date availability.

Foresters, its employees and life insurance representatives do not provide,

on Foresters behalf, legal, tax, or estate planning advice. The information

here reflects our understanding of current laws and regulations.

Prospective purchasers should contact their own legal, tax, or estate

planning advisors on their specific situations.

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FAST FACTS ... 2 PRODUCT SPECIFICATIONS ... 3 DESCRIPTION ... 3 PREMIUM PERIOD ... 3 ISSUE AGES ... 3 UNDERWRITING CLASSIFICATIONS ... 3 RATINGS ... 3

FACE AMOUNT BANDS... 3

ILLUSTRATIONS ... 3 TARGET MARKET ... 3 PREMIUM MODES ... 3 MODAL FACTORS ... 3 MINIMUM PREMIUM ... 3 CERTIFICATE FEE ... 4 NON-FORFEITURE OPTIONS ... 4 CONVERSIONS ... 4 1035 EXCHANGES ... 4

CASH VALUE AND DIVIDENDS ... 4

CASH VALUES ... 4

DIVIDENDS ... 4

SURRENDERS AND LOANS... 4

SURRENDERS ... 4

LOANS ... 4

REINSTATEMENT ... 5

RIDERS ... 5

CHILDREN’S TERM RIDER ... 5

ACCIDENTAL DEATH RIDER ... 5

GUARANTEED INSURABILITY RIDER ... 5

WAIVER OF PREMIUM RIDER ... 6

DISABILITY INCOME RIDER (ACCIDENT ONLY) ... 6

10-YEAR TERM RIDER (NON-MEDICAL) ... 7

10-YEAR TERM RIDER (MEDICAL) ... 7

20-YEAR TERM RIDER (NON-MEDICAL) ... 8

20-YEAR TERM RIDER (MEDICAL) ... 8

COMMON CARRIER ACCIDENTAL DEATH RIDER ... 8

PAID-UP ADDITIONS RIDER (NON-MEDICAL) ... 9

PAID-UP ADDITIONS RIDER (MEDICAL) ... 9

FAMILY HEALTH BENEFIT RIDER ... 10

ACCELERATED DEATH BENEFIT RIDER (NON-MEDICAL) ... 10

SOFTWARE HELP ... 12

KEY CONTACT INFORMATION ... 12

SALES SUPPORT ... 12

OUR PRODUCER SERVICE CENTER ... 12

MARKETING SUPPLIES ... 12

For Producer Use Only 503406 US (11/14)

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FAST FACTS

Product Type Participating Whole Life Issue Ages (age nearest birthday) 0-75 (non-medical) 0-85 (medical) Premium

Period Level Pay to Age 100 20 Pay

Illustrations Required for certificate issue

Underwriting Classification Non-Medical Face Amount Bands Non-Medical

Juvenile (issue ages 0-15) Issue Age 0 - 15: $25,000 to _$150,000

Non-Tobacco (issue ages 16-75) Issue Age 16 - 55: $25,000 to _$250,000

Tobacco (issue ages 16-75) Issue Age 56 - 75: $25,000 to _$150,000

Medical Juvenile

(issue ages 0-15) Medical, Band I (less than $500,000)

Preferred Plus Non-Tobacco (issue ages 16-85) Preferred Non-Tobacco (issue ages 16-85) Non-Tobacco Plus (issue ages 16-85) Non-Tobacco (issue ages 16-85) Issue Age 0 - 15: $150,001 - $499,999 Issue Age 16 - 70: $100,000 - $499,999 Issue Age 71 - 75: $50,000 - $499,999 Issue Age 76 - 85: $25,000 - $499,999 Medical, Band II (over $500,000) $500,000 and up for all issue ages Tobacco Plus

(issue ages 16-85) Tobacco (issue ages 16-85)

For Issue Ages 71-85: Preferred, Preferred Plus, Tobacco Plus, and Non-Tobacco Plus underwriting classes are only available if the face

amount is at least $100,000. Premium Modes Annual Semi-Annual Quarterly Monthly (PAC only)

Minimum Modal Premium $300/annually $150/semi-annually $75/quarterly $25/monthly

(Not including Paid-up Additions Rider Payments) Non-Forfeiture Options Cash surrender Dividend Options

Paid-up Additions (PUA) On deposit with interest

To reduce premiums Paid in cash Reduced Paid-up (RPU) subject to

minimum of $1,000 Automatic Premium Loan (APL)

Loans Can be taken if cash value is _available

Loan Rate Variable Insurer The Independent Order of Foresters _(Foresters) Product and benefit information provided in this document is for producer reference purposes only. It is based on our current product rules which is subject to change, and is also subject to state availability and variations and to the terms, including limitations, set out in the state specific product.

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PRODUCT SPECIFICATIONS

DESCRIPTION

Foresters Advantage Plus Whole Life Insurance (Foresters Advantage Plus) is a participating whole life product which provides lifetime death benefit protection, guaranteed cash values and lifetime guaranteed premiums. It is designed and priced based on the 2001 Commissioners Standard Ordinary (CSO) mortality tables.

In addition to offering lifetime protection, Foresters Advantage Plus also offers a variety of features and riders that address a broad range of personal protection needs.

PREMIUM PERIOD

• Available as a 20 Pay or Paid-up at 100 • First Premium on PAC (FPOP) is

available

For issue ages 76-85 the 20 Pay option is not available.

ISSUE AGES

Non-Medical 0-75 (age nearest birthday) Medical 0-85 (age nearest birthday)

When we refer to an age after the issue date, age is defined as the issue age plus the number of completed certificate years.

UNDERWRITING CLASSIFICATIONS

Non-Medical

• Juvenile (issue ages 0-15) • Non-Tobacco (issue ages 16-75) • Tobacco (issue ages 16-75) Medical

• Juvenile (issue ages 0-15)

• Preferred Plus Non-Tobacco (issue ages 16-85)

• Preferred Non-Tobacco (issue ages 16-85)

• Non-Tobacco Plus (issue ages 16-85) • Non-Tobacco (issue ages 16-85) • Tobacco Plus (issue ages 16-85) • Tobacco (issue ages 16-85)

RATINGS

Substandard extras are available. Temporary and permanent flat extras are available.

Rating classes are +50% to +400% and will be determined by Underwriting.

FACE AMOUNT BANDS

Non-Medical

Issue Age 0 - 15: $25,000 to $150,000 Issue Age 16 - 55: $25,000 to $250,000 Issue Age 56 - 75: $25,000 to $150,000 Medical

Band I: Less than $500,000

Issue Age 0 - 15: $150,001 - $499,999 Issue Age 16 - 70: $100,000 - $499,999 Issue Age 71 - 75: $50,000 - $499,999 Issue Age 76 - 85: $ 25,000 - $499,999

For Issue Ages 71-85: Preferred, Preferred Plus, Tobacco Plus, and Non-Tobacco Plus underwriting classes are only available if the face amount is at least $100,000.

Band II: $500,000 and up for all issue ages

ILLUSTRATIONS

At the Point-of-Sale (POS) of Foresters Advantage Plus, the producer must do the following:

• Complete an Illustration Certification form; or

• Provide to the prospective Owner an

illustration matching the product as applied for in the application. A copy of this

illustration must be signed by the producer and the prospective Owner and submitted with the application to Foresters.

TARGET MARKET

• Middle-income market

• Seeking guarantees and lifetime life insurance protection

• Looking to build long-term cash value • Have dependents PREMIUM MODES • Annual • Semi-Annual • Quarterly • Monthly (PAC) MODAL FACTORS • Annual: 1.00 • Semi-Annual: 0.51 • Quarterly: 0.26 • Monthly: 0.0875 MINIMUM PREMIUM • Annual: $300 • Semi-Annual: $150 • Quarterly: $75 • PAC: $25

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(No minimums apply to term conversions below minimum face amount)

CERTIFICATE FEE

• Annual: $72

• Semi-Annual: $36.72 • Quarterly: $18.72 • Monthly (PAC): $6.30

(Certificate fee is fully commissionable)

NON-FORFEITURE OPTIONS

• Cash Surrender

• Reduced Paid-up (RPU) subject to minimum of $1,000

• Automatic Premium Loan (APL)

If the APL option is not chosen the default is RPU, unless the cash surrender amount would purchase less than $1,000 of face amount. In that case, Foresters may surrender the certificate and payout the cash surrender value.

If the owner elects APL we will switch the payment mode to monthly (if the certificate is on another mode) should the certificate go onto APL.

CONVERSIONS

Foresters non-medical term certificates can convert to all non-medical versions of Foresters Advantage Plus.

Conversions to Foresters Advantage Plus are not required to meet the minimum face amount, however:

• if the old term coverage is less than $25,000, it must be converted in its entirety, and;

• if the new Foresters Advantage Plus coverage will be below the minimum face amount, the premium option must be Pay to 100.

1035 EXCHANGES

1035 exchanges are allowed, provided that monies from the 1035 exchange are applied towards a single payment for the Paid-up Additions Rider.

CASH VALUE AND DIVIDENDS

CASH VALUES

Cash values are guaranteed and vary based only on gender and tobacco status.

DIVIDENDS

Dividends are not guaranteed and vary by gender, band, smoker, preferred/standard, and premium-pay period.

Available dividend options are: • Paid-up Additions (PUA) • On deposit with interest • To reduce premiums • Paid in cash

The default dividend option is Paid-up Additions (PUA).

SURRENDERS AND LOANS

SURRENDERS

The certificate may be partially or fully surrendered for its cash surrender value at any time.

Full Surrender

A certificate can be fully surrendered for its guaranteed cash value, plus the value of any Paid-up Additions (PUA) or accumulated dividends on deposit, less any outstanding debt.

Partial Surrender

A certificate can be partially surrendered by surrendering Paid-up Additions. The death benefit supported by the Paid-up Additions (PUA) will be reduced accordingly. Each partial surrender must be for at least $500.00.

LOANS

Loan(s) may be obtained from Foresters using the certificate as collateral. The certificate must be in effect and have a positive cash surrender value at the time of the loan.

Interest is charged daily at the current Foresters US variable loan rate. The amount of the loan requested may be adjusted if the cash surrender value at that time is insufficient.

Loan repayment – All or part of a certificate loan

may be repaid at any time prior to the death* of the insured or the surrender of the certificate. Repayments will reduce the loan amount.

*The death proceeds payable are reduced by the outstanding amount of the loan (and accrued

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interest). If the loan amount exceeds the account value, the certificate will terminate. Also, if the certificate terminates/lapses while there is a loan, the loan will be treated as a distribution from the certificate, and there may be tax consequences as a result.

REINSTATEMENT

Foresters may approve the reinstatement of a lapsed certificate within three years of its lapse subject to:



Evidence of insurability accepted by

Foresters



Payment of the unpaid premiums since

lapse, plus any debt existing on the lapse date, plus applicable interest

Interest on the unpaid premiums will not exceed 6.0%. Interest on a loan will not exceed Foresters variable loan rate in effect during reinstatement period.

RIDERS

CHILDREN’S TERM RIDER

Available on Children of life insured

Issue ages 16-55 (for Life insured)

Description Provides level term life insurance

for each child, listed on the application, who is 15 days or

older, has not reached their 18th

birthday at issue of the rider and is not excluded by Foresters. A child

is not covered past their 25th

birthday. Issue

amount Any amount between and including $10,000 - $25,000. Convertibility To a permanent plan without

evidence of insurability. For child up to age 21, that child can convert up to 1X rider benefit amount.

Between ages 21 and 25, up to 5X the rider benefit amount (max $100,000/insured child on all Foresters child rider conversions for that child).

Expiry date The certificate anniversary on

which the insured is age 65.

Note: Coverage will be extended to each person who becomes an insured child while this rider is in effect. That child must be at least 15 days old and has not reached their 18th birthday.

ACCIDENTAL DEATH RIDER

Available on Life insured

Issue ages 16-60

Description Provides additional coverage in the

event of an accidental death, caused by an accidental bodily injury, and death occurs within 180 days of the injury.

Issue

amount Minimum issue amount is $25,000. Maximum issue amount is 100% of the face amount (subject to a maximum of $300,000 across all Foresters certificates).

Expiry date The certificate anniversary on which

the insured is age 70.

GUARANTEED INSURABILITY RIDER

Issue ages 0-37

Description Provides an opportunity to purchase

additional coverage on the Life Insured up to the rider benefit amount without further evidence of insurability by making an application and paying the first premium within 90 days before an option date. Option dates are the Certificate Anniversary on which the Life Insured's age is 25, 28, 31, 34, 37 and 40 after which the rider expires. An option date may be moved forward to 90 days after the Life Insured's marriage or the birth or the adoption of a child. The marriage, birth or adoption must occur after the issue date of this rider and before the Life Insured's 40th birthday. The premium for the new certificate will be at our rates in use on the option date for the then age of the insured and the same risk classification as the certificate.

Max benefit

amount $50,000 per option or the certificate face amount at issue if it is less than $50,000.

Expiry date The certificate anniversary on

which the insured is age 40.

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WAIVER OF PREMIUM RIDER

Issue ages 16-55

Description Insures against total disability from

one’s own occupation for 24 months and total disability from any occupation after that. If total disability begins prior to the certificate anniversary on which the insured is age 60 and the insured is continuously totally disabled after the rider expiry date, the premium will continue to be waived until the earlier of:

a) the date when the insured is no longer totally disabled or,

b) the day the certificate is no longer in effect.

If total disability begins on or after the certificate anniversary on which the insured is age 60 and the insured is continuously disabled after that anniversary, the premium will continue to be waived until the earlier of:

a) the date when the insured is no longer totally disabled, or

b) the certificate anniversary on which the insured is age 65, or c) the day the certificate is no longer in effect.

Payments under the Paid-up Additions Rider (PUAR) are not considered premiums under the terms of the Waiver of Premium Rider and are therefore not covered. PUAR payments can continue to be made while the certificate premiums are being waived.

Waiting period

Six months Rider expiry

date The certificate anniversary on which the insured is age 65.

DISABILITY INCOME RIDER (ACCIDENT ONLY)

Issue ages 16-60

Description Provides a monthly benefit for up to

two years for total disability from one’s own occupation, and for a second independent injury, up to two additional years for total disability from any occupation if the insured becomes totally disabled due to injury within 180 days of that injury. Waiting period 90 days Min monthly benefit $300 Max monthly benefit

Lesser of (at time of application): a) $2,000 for Non-medical, $3,000 for Medical

b) 1.5% of the face amount (based upon total Foresters Disability Rider coverage), or

c) 60% of the insured’s earned income at certificate issue.

Increases and decreases

The benefit amount can be decreased after issue, however, increases are not permitted after issue.

Death

claims If the insured dies as the result of an injury while this rider is in effect, Foresters will return 100% of the DIR premiums paid minus the sum of DIR benefits paid.

Note: If the sum of DIR payouts is equal to or greater than the sum of premiums paid then there will be no return of DIR premiums upon death. Number of

claims

Up to 2 independent claims, not to exceed 24 months per independent claim.

Claim

period 24 months, not required to be consecutive for a given claim. Definition of

total disability

Total disability is defined in the rider, and for the:

1st Injury - Insured’s inability to

work at own occupation

2nd Injury - Insured’s inability to

work at any occupation

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10-YEAR TERM RIDER (NON-MEDICAL)

Issue ages 20 Pay: 45-75

Paid-up at 100: 18-75

with level premiums for the first

10 years. After 10 years,

coverage can be continued as yearly renewable term insurance (with annual premium increases) for the greater of 10 years or to the certificate anniversary on which the insured is age 65.

Issue

amount Minimum coverage is $10,000.

Maximum coverage is: For issue ages 18-55:

$250,000 minus the face amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-up Additions Rider (if applicable), plus any

other non-medical coverage

currently inforce with Foresters. For issue ages 56-75:

$150,000 minus the face amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-up Additions Rider (if applicable), plus any

other non-medical coverage

currently inforce with Foresters. Convertibility This rider is convertible during the

conversion period to a permanent Foresters life insurance plan being offered for conversion with similar underwriting class, subject to issue age and face amount limitations of that plan.

Expiry date The later of 20 years after the

rider issue date and the certificate anniversary on which the insured is age 65.

10-YEAR TERM RIDER (MEDICAL)

Paid-up at 100: 18-75

with level premiums for the first 10 years. After 10 years, coverage can be continued as yearly renewable term insurance (with annual premium increases) for the greater of 10 years or to the certificate anniversary on which the insured is age 65.

Issue

Maximum coverage is:

12 times the face amount of the certificate.

Convertibility This rider is convertible during the conversion period to a permanent Foresters life insurance plan being offered for conversion with similar underwriting class, subject to issue age and face amount limitations of that plan.

Expiry date The later of 20 years after the rider

issue date and the certificate anniversary on which the insured is age 65.

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20-YEAR TERM RIDER (NON-MEDICAL)

Issue ages Paid-up at 100: 18-65

(not available on 20-Pay)

Issue

Maximum coverage is: For issue ages 18-55:

$250,000 minus the ace amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-up Additions Rider (if applicable) plus any other non-medical coverage currently inforce with Foresters.

For issue ages 56-65:

$150,000 minus the face amount of the base certificate, plus the amount of paid-up additional insurance purchased under a Single Payment Paid-up Additions Rider (if applicable) plus any other non-medical coverage currently inforce with Foresters.

Expiry date The later of 30 years after the

rider issue date and the certificate anniversary on which the insured is age 75.

20-YEAR TERM RIDER (MEDICAL)

Issue ages Paid-up at 100: 18-65

(not available on 20-Pay)

Issue

Maximum coverage is:

12 times the face amount of the certificate.

Expiry date The later of 30 years after the rider

issue date and the certificate anniversary on which the insured is age 75.

COMMON CARRIER ACCIDENTAL DEATH RIDER

Issue ages 0-85

Description This rider, automatically included on

all eligible certificates (cost is included in basic certificate premium), provides a death benefit of up to two times the face amount to a maximum of $300,000, if the insured dies within 180 days of an accidental bodily injury that occurred while riding on a common carrier as a fare-paying passenger.

Benefit

amount Two times the face amount (rider death benefit is subject to a maximum of $300,000 across all Foresters accidental death coverage)

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PAID-UP ADDITIONS RIDER (NON-MEDICAL)

Paid-up at 100: 18-70

Description Provides the Owner with the

opportunity to purchase paid-up additional insurance (permanent, participating life insurance, with cash values, that endows at age 121) on the life of the insured. The rider is only available as a single payment coming from a 1035 exchange; no other form of payment is accepted. There are no premiums associated with the PUA riders however a payment expense charge (6%) is deducted from each payment accepted under the rider, with the balance used to purchase the paid-up insurance. The amount of paid-up additions purchased by each payment varies based upon the age of the insured at the time the payment is made.

Payment amounts

Minimum payment amount: $600 Maximum coverage is:

$250,000 minus the face amount of the base certificate, plus the Term Rider (if applicable), plus any other non-medical coverage currently inforce with Foresters.

$150,000 minus the face amount of the base certificate, plus the Term Rider (if applicable), (if applicable), plus any other non-medical coverage currently inforce with Foresters.

Expiry date The earlier of the date the single

payment is accepted or 60 days after the rider issue date. Foresters may accept a payment arriving later than 60 days after the rider issue date, if the delay is not the fault of the Owner.

PAID-UP ADDITIONS RIDER (MEDICAL)

Paid-up at 100: 18-70

Description Provides the Owner with the

opportunity to purchase paid-up additional insurance (permanent, participating life insurance, with cash values, that endows at age 121) on the life of the insured. The rider is available in either a single payment or a flexible payment version. There are no premiums associated with the PUA riders however a payment expense charge (6%) is deducted from each payment accepted under the rider, with the balance used to purchase the paid-up insurance. The amount of paid-up additions purchased by each payment varies based upon the age of the insured at the time the payment is made.

Payment

amounts Minimum payment amount:

Flexible Payment Rider: Each payment must be a minimum of $50.

Single Payment Rider: $600 Maximum payment amount:

Each flexible payment rider is issued with a maximum annual payment amount up to $100,000 and $1,000,000 lifetime maximum (applied for and subject to underwriting approval) that applies for the first 10 years. At the 10th

certificate anniversary, the

maximum annual payment amount will be reset to equal the annual average of the actual payments accepted under the rider during the first 10 years.

Payment Modes and Billing

Payments under the flexible payment rider can be made at any time; however at issue billing must be in the same mode as the premium payments for the base certificate. After issue billing mode for the rider can be changed to annual.

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Expiry date Flexible Payment Rider: To the earlier of 25 years after the rider issue date and the certificate anniversary on which the insured is age 80.

Single Payment Rider: The earlier of the date the single payment is accepted or 60 days after the rider issue date. Foresters may accept a payment arriving later than 60 days after the rider issue date, if the delay is not the fault of the owner (e.g. 1035 exchange).

FAMILY HEALTH BENEFIT RIDER

Issue ages 0-85

Description This rider, automatically included on

all eligible certificates (cost is included in basic certificate premium), provides benefits for qualified health situations for the insured and their immediate family of up to $650 per person per incident with a lifetime family maximum of $5,000, who have had to be transferred to a hospital in the Continental United States, Alaska or Hawaii by ambulance, visit the emergency room or stay in hospital as a result of the following:



Earthquake



Hurricane



Tornado



Tsunami



Typhoon



Struck by lightning



Volcanic eruption Qualified event and amount



Ambulance Transportation: $50



Hospital Emergency Room

Examination: $100



Hospital Stay: $100/day (up to 5 days)

Max benefit

amount $650 per person, per incident with a lifetime family maximum of $5,000. Expiry date The certificate anniversary on which

ACCELERATED DEATH BENEFIT RIDER (NON-MEDICAL)

Description This rider, included with eligible

certificates at no additional premium, provides the owner an option of accelerating a portion of the eligible death benefit (face amount plus paid-up additional

insurance) and receiving an

accelerated death benefit payment due to diagnosis of an eligible illness.

Eligible

Illness Subject to eligibility criteria and state variations, this rider can be issued with one or more of the following eligible illnesses: • Chronic illness • Critical illness • Terminal illness Summary Definition of Illnesses

Chronic Illness means the

insured:

• Is unable to perform, without substantial assistance from another person, at least two of the activities of daily living for a period of at least 90 days, due to a loss of functional capacity; or

• Requires substantial supervision by another person to protect the insured from threats to health and safety due to the insured’s severe cognitive impairment.

Critical Illness is the following

illnesses:

• Life Threatening (Invasive) Cancer

• Myocardial Infarction • Stroke

• Advanced Alzheimer’s Disease (before the insured’s 75th

birthday)

• End Stage Renal Failure • Major Organ Failure • ALS

Terminal illness means the

insured has a non-correctable illness or physical condition which is reasonably expected to result in death within 12 months of diagnosis.

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Eligibility

Criteria Chronic and Critical Illnesses: • Issue face amount must be at least $25,000;

• Insured’s issue age is 75 or younger; and

• Standard rated cases Terminal Illness:

• Issue face amount must be at least $25,000;

• All ages; and

• Standard rated cases Minimum Acceleration Amount $4,500 Maximum Acceleration Amount Chronic Illness

• In any 12-month period, 24% of the eligible death benefit on the effective date of the first accelerated payment due to chronic illness

Critical Illness

• Lesser of a) 95% of the eligible death benefit on the effective date of the

applicable each accelerated payment due to critical illness; and b) $500,000

Terminal Illness

• Lesser of a) 95% of the eligible death benefit on the effective date of the

accelerated payment due to terminal illness; and b) $500,000

• One terminal illness payment is allowed – the rider will terminate after an ABR terminal illness payment Lifetime

Maximum Acceleration Amount

• Lesser of a) 95% of the eligible death benefit at the time of the first acceleration; and b) $500,000 Minimum Residual Base Face Amount $10,000 Payment

Amount The payment, due to diagnosis of eligible critical illness and chronic illness, will be less than the acceleration amount which will be reduced by the following:

• Actuarial discount amount • Loan repayment, prorated

based on the acceleration amount

• Administration fee (current fee is $300)

The actuarial discount amount and administration fee will not be applied to a terminal illness claim. The payment amount is guaranteed not be less than the certificate cash surrender value minus the outstanding prorated loan amount (based on the acceleration amount), if any.

Actuarial Discount Amount

It is determined by Foresters: • Based on factors specific to the

insured, such as age, gender and premium class;

• Based on future mortality of the insured using the mortality table determined by Foresters; • The accelerated death benefit

interest rate Foresters applies; • Will take into account the

present value of: the acceleration amount and dividends in relation to that acceleration amount. Effect of

Acceleration ABR claim payment will reduce the face amount and, if any, the paid-up additional insurance, cash value and loan amount. The reduction to the face amount could be by more than the payment amount. After acceleration, future dividends credited, if any, will be as if the certificate had been issued at the reduced face amount.

Any outstanding certificate loan will be reduced by the loan repayment amount that was subtracted from the acceleration amount. Receipt of an accelerated death benefit payment is intended to qualify for favorable tax treatment under the IRC. However, depending on individual circumstances or changes to the IRC, the payment may be taxable, and may affect eligibility for public assistance or benefits. Your client should consult a qualified tax advisor and applicable government agency before receiving an accelerated death benefit payment.

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SOFTWARE HELP

You can access/download Foresters Advantage Plus software by logging onto Foresters producer website.

Please check the state availability map for currently approved states.

KEY CONTACT INFORMATION

SALES SUPPORT

We answer your call...with a live voice. Foresters Sales Support Team is your first, direct, live point-of-contact for all of your pre-sales needs! Our informed professionals pick up when you call, and provide the friendly assistance you need.

We are here for you! Call us at 1-866-466-7166 Option #1, Monday to Friday from 8:30 am to 7:00 pm ET. Our knowledgeable Foresters sales team is standing by to support your business with:

• A “live voice” to answer all of your Foresters questions

• Sales ideas and solutions • Foresters product training

• Illustration software and website support

• Advanced marketing concepts, materials and education

• A Single Point-of-Contact with Foresters

OUR PRODUCER SERVICE CENTER

Do you need to inquire about business you have recently submitted, or an existing inforce certificate? Visit our producer website (foresters.com) for quick and easy 24 hour self-service options. Should you require additional assistance, please contact our Producer Support Line at 1-866-466-7166 Option #2 between Monday to Friday 8:00 am to 8:00 pm ET.

MARKETING SUPPLIES

Visit our producer website (foresters.com) for forms and marketing collateral. Here you will have the ability to download and/or order Foresters Sales Aids, which include: applications, product guides, consumer brochures, rate sheets, and advertising templates.

Up to a maximum of 50 forms can be ordered at a time. If you need to order more than the maximum allowed, please contact Sales Support to place your order.

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The Independent Order of Foresters 789 Don Mills Road

Toronto, Canada M3C 1T9 U.S. Mailing Address: PO Box 179

Buffalo, NY 14201-0179 503402 US (11

/1

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For more information about Foresters go to foresters.com or call us toll-free at 800 828 1540

Whole Life

Insurance

For

esters

getting

more out

of life

This brochure is provided for information purposes only; it does not form part of the Foresters Advantage Plus Whole Life participating life insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Refer to the Foresters Advantage Plus Whole Life contract for your state for these terms and conditions, Life insurance contracts are issued by The Independent Order of Foresters, a fraternal benefit society. Foresters Advantage Plus and its riders may not be available or approved in all states, and state variations may apply. Foresters Advantage Plus 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 Advantage Plus: ICC11-WL-US01 or WL-XX01-2011 or WL-XX01-2013

Accidental Death Rider: ICC11-WL-ADR-US01 or WL-ADR-XX01-2011 Term Rider: ICC12-WL-TR-US01 or WL-TR-XX01-2012

Single Paid-Up Additions Rider: ICC12-WL-SPUAR-US01 or WL-SPUAR-XX01-2012

Flexible Paid-Up Additions Rider: ICC12-WL-FPUAR-US01 or WL-FPUAR-XX01-2012

Children’s Term Rider: ICC11-WL-CTR-US01 or WL-CTR-XX01-2011 Guaranteed Insurability Rider: ICC11-WL-GIR-US01 or

WL-GIR-XX01-2011

Waiver of Premium Rider: ICC11-WL-WPR-US01 or WL-WPR-XX01-2011

Common Carrier Accidental Death Rider: ICC11-WL-CCADR-US01 or WL-CCADR-XX01-2011

Family Health Benefit Rider: WL-FHB-XX01-2011

Disability Income Rider (Accident Only): WL-DIR-XX01-2011 Accelerated Death Benefit Rider (for Chronic, Critical and Terminal Illness): ICC14-TRAD-ABRCHCRTI-US01 or TRAD-ABRCHCRTI-XX01-2014

Accelerated Death Benefit Rider (for Critical and Terminal Illness): ICC14-TRAD-ABRCRTI-US01 or TRAD-ABRCRTI-XX01-2014 Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTI-XX01-2014

Solid protection

At some point in each of our lives, we start to think about the financial security of our families if we were no longer around to provide for them. How would our families cope with the costs of living in the future if we were to die prematurely? That’s where Foresters life insurance can help provide the resources to help protect your family.

Benefits of whole life insurance • Provides lifetime (up to age 121)

life insurance coverage

• Guaranteed level premiums for certain coverages • Allows you to borrow and use the insurance as

collateral for a loan (this can reduce the death benefit1₎

• Generally provides an income tax-free death benefit2

Whole Life

Insurance

For over 140 years, Foresters™ has put its prosperity and financial strength to work for those who matter most – our members. Turn to us for affordable life insurance products and all the many benefits of membership.*

If you become a Foresters member, you can enjoy a surprising package of complimentary benefits that can help you and your family do more. You can take advantage of opportunities to develop your personal skills, attend fun family events and make a difference in your community. Visit us to learn more about your membership at: foresters.com or call 800 444 3043

Foresters

membership–

real value

* Foresters member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or cancelled without notice. Third parties administer Legal Link,

Everyday Money and Foresters Competitive Scholarships.

Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9.

Applying is simple

Applying for Foresters Advantage Plus is simple and convenient. Complete an easy-to-understand application and you could be eligible for life insurance coverage.3

Remember, in most cases the younger and healthier you are the lower your insurance premiums. Helping to provide for both today’s peace of mind and tomorrow’s possibilities, Foresters Advantage Plus gives you many good reasons to apply.

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Everyone’s life insurance needs are unique and based on the changing needs of our families during our lifetimes. With Foresters Advantage Plus, you have the flexibility to build a plan that delivers on your promise just the way you want. Build your base coverage – Start with life insurance coverage that you anticipate you’ll need to help ensure the

financial security of your family if you happen to die prematurely. With medically underwritten Foresters Advantage Plus plans, you can add to that basic coverage as your coverage needs change over time with an optional Paid-up Additions Rider. For added flexibility, you can purchase your paid-up additions over time or with a one-time single payment.

Cover your short-term needs – If you have extra needs, such as covering a mortgage, you may be able to add economical, renewable term life insurance coverage for 10- or 20-year periods of time.

Access your cash value – When you need money, you have the ability to borrow against the cash value that has built up in the Foresters Advantage Plus plan at affordable interest rates, and pay it back later1_.

With Foresters Advantage Plus, you’re in control, from building the coverage you want to adding optional coverage for the unexpected.

Perhaps the most important promise you’ll make in your life is to your loved ones. It’s the promise that they can enjoy financial security, no matter what the future may bring. Foresters Advantage Plus can help you keep your promise.

Because Advantage Plus is participating life insurance, you may receive dividends that can be used to purchase paid-up additions, accumulate with interest, reduce premiums or be paid in cash.

Cash value can help you fulfil your promise

Foresters Advantage Plus has guaranteed cash value and may also pay dividends, which can be left on deposit to accumulate with guaranteed interest. You can also borrow against these cash values to help deal with temporary needs or emergencies and repay it later. Any outstanding loans, plus interest, will reduce your death benefit.

Protect your promise – even if disabled

While becoming totally disabled in an accident is hard on you and your family, it should not mean financial ruin. By purchasing disability income protection with your certificate, you can receive a monthly income for up to two years. This income can help you maintain your family’s lifestyle, while you get back on your feet.

Prepare for the unexpected

The Accelerated Death Benefit Rider4_{provides an}

option to accelerate a portion of the eligible death benefit and receive a payment5_{. Subject to eligibility}

criteria and state variations, this rider can be issued with one or more of the eligible illnesses - Critical Illness, Chronic Illness or Terminal Illness with no additional premium.

The flexibility to custom-build a plan to deliver on your promise

Advantage Plus

Whole Life

Insurance

Protection for the

important things

in your life

1_{Dividend withdrawals or loans will reduce the death benefit and cash values and may affect how long the insurance contract is in effect. For loans,}

interest is charged daily at the current Foresters U.S. variable loan rates.

2_{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. Prospective purchasers should consult their tax or legal advisor.

3_{Insurability depends on answers to questions in the application and on the outcome of the underwriting review based on underwriting}

requirements and guidelines.

4 _{This rider is not available for certificates issued with a base face amount of less than $25,000. On certificates where the insured’s issue age is higher than}

75 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued.

5 _{The payment, due to diagnosis of an eligible illness, may be less than the acceleration amount which may be subject to a fee, an actuarial discount}

amount and other applicable deductions. Payment will decrease certificate values and benefits.

See the back cover of this brochure for important information about Foresters Advantage Plus and its riders.

Ask your insurance representative how Foresters Advantage Plus can work for you.

Extend your promise

• Paid-up Additions Rider can be purchased to increase your Foresters Advantage Plus coverage and build-up additional cash value.

• Term Riders are available to provide term life insurance coverage for your children (Children’s Term Rider) or as a 10- or 20-year Term Rider to extend your own coverage.

• Waiver of Premium Rider can be purchased to waive your premium if you are totally disabled and unable to work for at least 6 months.

• Accidental Death Rider can be purchased to add a benefit in case of accidental death due to accidental bodily injury.

• Disability Income Rider (Accident Only) can be purchased to provide a monthly income for up to two years, if you become totally disabled in an accident.

• Common Carrier Accidental Death Rider is automatically included to provide an additional death benefit if you die of accidental injuries that occur while riding as a fare-paying passenger on a common carrier, such as a bus or a train. • Family Health Benefit Rider is automatically

included to pay a benefit you can use to help pay some family health expenses that may occur as a result of some natural disasters, such as earthquakes, hurricanes, and tornadoes.

(17)

Real benefits when you need them

As a Foresters

TM

_{member, you get so much more than a life insurance}

product. You can take advantage of opportunities to develop your

personal skills, attend fun family events and make a difference in your

community.

You may also be eligible for other valuable member benefits

1

_that

enhance your insurance coverage.

Although your situation may be quite different, let’s look at an example of

how member benefits can supplement the insurance coverage

you’re purchasing.

In this example, if a married couple with three children were to die when

their children were ages 1, 3 and 5, their beneficiaries would receive their

life insurance benefit. In addition:

• Foresters Orphan Scholarships could provide up to $72,000 in

scholarships ($6,000 for each child for 4 years)

• Foresters Orphan benefits could pay up to $486,000 toward the care

of the children ($900 a month for each child until that child turns 18)

That’s an additional $558,000 in benefits – just for being a Foresters member!

Together, your Foresters life insurance and benefits of membership can

help you and your family get more out of life – the protection you and

your family need and a unique package of benefits you can enjoy.

Visit us to learn more about your membership at foresters.com.

1_{Foresters member benefits are non-contractual, subject to eligibility requirements and limitations and may}

be changed or cancelled without notice. Third parties administer Legal Link, Everyday Money and Foresters Competitive Scholarships.

Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark.

For

esters

getting more

out of life

Advantage Plus

Whole Life

Insurance

Foresters Advantage Plus provides

protection for your lifetime (up to

age 121), guaranteed cash value

and may also pay dividends, that

can be left to accumulate with

guaranteed interest.

If you become a member, you

can enjoy a surprising package of

complimentary benefits that can

help you and your family do more.

Your life insurance representative

will use this worksheet to show

you how life insurance coverage

and Foresters benefits of

membership can combine to offer

real benefits in times of need.

The Independent Order of Foresters

789 Don Mills Road Toronto, Canada M3C 1T9

foresters.com 800 828 1540 U.S. Mailing Address:

(18)

Name

Date

Prepared

by

Contact

info

This worksheet is provided for information purposes only; it does not form part of the Foresters Advantage Plus Insurance contract and is not intended to amend, alter, or change any of the terms and conditions of the contract. Refer to the Foresters Advantage Plus contract for your state for these terms and conditions. Contracts are issued by The Independent Order of Foresters, a fraternal benefit society.

Foresters Advantage Plus and its riders may not be available or approved in all states, and state variations may apply. Foresters Advantage Plus 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 Advantage Plus: ICC11-WL-US01 or WL-XX01-2011 or WL-XX01-2013 Accidental Death Rider: ICC11-WL-ADR-US01 or WL-ADR-XX01-2011 Term Rider: ICC12-WL-TR-US01 or WL-TR-XX01-2012

Single Paid-Up Additions Rider: ICC12-WL-SPUAR-US01 or WL-SPUAR-XX01-2012 Flexible Paid-Up Additions Rider: ICC12-WL-FPUAR-US01 or WL-FPUAR-XX01-2012 Children’s Term Rider: ICC11-WL-CTR-US01 or WL-CTR-XX01-2011

Guaranteed Insurability Rider: ICC11-WL-GIR-US01 or WL-GIR-XX01-2011 Waiver of Premium Rider: ICC11-WL-WPR-US01 or WL-WPR-XX01-2011 Common Carrier Accidental Death Rider: ICC11-WL-CCADR-US01 or WL-CCADR-XX01-2011

Family Health Benefit Rider: WL-FHB-XX01-2011

Disability Income Rider (Accident Only): WL-DIR-XX01-2011

Accelerated Death Benefit Rider (for Chronic, Critical and Terminal Illness): ICC14-TRAD-ABRCHCRTI-US01 or TRAD-ABRCHCRTI-XX01-2014 Accelerated Death Benefit Rider (for Critical and Terminal Illness): ICC14-TRAD-ABRCRTI-US01 or TRAD-ABRCRTI-XX01-2014 Accelerated Death Benefit Rider (for Terminal Illness): ICC14-TRAD-ABRTI-US01 or TRAD-ABRTI-XX01-2014

2_{Not available as a member benefit in the states of Illinois or New York or on Accidental}

Death products.

3_{This program is administered by International Scholarship and Tuition Services, Inc.} 4 _{This rider is not available for certificates issued with a base face amount of less than}

$25,000. On certificates where the insured’s issue age is higher than 75 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued.

5_{The payment, due to diagnosis of an eligible illness, may be less than the acceleration}

amount which may be subject to a fee, an actuarial discount amount and other applicable deductions. Payment will decrease certificate values and benefits.

Foresters Advantage Plus Participating Whole Life Insurance

Family Health Benefit Rider

Provides hospital and ambulance benefits up to a maximum of $650 per person to a limit of $5,000 per family, if injured as a result of: hurricane, tsunami, earthquake, volcanic eruption, being struck by lightning, tornado, typhoon.

Common Carrier Accidental Death Rider

Pays up to double the death benefit if the insured dies within 180 days of an accidental injury that occurred on a common carrier while riding as a fare-paying passenger, to a maximum of $300,000.

Accelerated Death Benefit Rider4

Provides an option to accelerate a portion of the eligible death benefit and receive a payment5_{. Subject to eligibility criteria and}

state variations, this rider can be issued with one or more of the eligible illnesses - Critical Illness, Chronic Illness or Terminal Illness with no additional premium.

Base coverage

Benefit Amount Planned Premium

Optional benefits

Disability Income Rider (Accident Only)*

Provides a monthly income for up to 2 years (for 2 separate incidents) if the insured becomes totally disabled within 180 days of the injury (90-day elimination period).

Term Riders

10-year term or 20-year term

Paid-up Additions Rider

Add the flexibility to purchase additional insurance in the future.

• Flexible payments (medical only)

• Single payment (medical and non-medical)

Children’s Term Rider

Provides up to $25,000 of level term life insurance for each eligible child of the insured, whether born, adopted or under legal guardianship, or a stepchild of the insured.

Accidental Death Rider

Provides a maximum benefit of $300,000 in case of death due to accidental bodily injury.

Waiver of Premium Rider

Waives the premium up to rider expiry if the insured is totally disabled for at least 6 months and unable to work. If this disability begins before age 60, waiver continues even after the rider expires, if total disability is continuous.

Guaranteed Insurability Rider

Offers an opportunity to purchase additional coverage on the life of the insured (maximum of $50,000) on each option date, without additional evidence of insurability.

Total Planned Premium *Premium subject to increase

503404 US (11 /1 4) 20-Pay Pay to age 100 $ /month Waives monthly premium

Terminal Illness loan2

An interest-free loan of up to 75% of the net face amount of the Foresters life insurance coverage on a terminally ill insured person.

Competitive Scholarships3

Available every year to eligible members and their family who can qualify for up to $8,000 in support.

Orphan Scholarships

Per year per child, renewable for up to 4 years of full-time postsecondary education upon the death of: both parents, up to $6,000; a single parent, up to $3,000; one of two parents, up to $1,500.

Orphan benefits

$900 per month per orphan child under age 18, provided to the legal guardian upon the death of both parents.

Family events

Spend time with your family at sporting events, theme parks and more, at little to no cost.

Inspiring community activities

Make a meaningful and lasting impact in your community. Support family well-being through our national partnerships.

Everyday Money & Legal Link

Toll-free access to two services.

Accredited counsellors can help with every day money issues, such as budgets and debt. Access complimentary or discounted legal services in many areas.

Benefit Amount

Planned Premium

For you and your family

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Where’s the money?

Many of us have little spending habits that just add up.

Take a close look at some of your spending and then ask yourself what you can reduce and what you

can do without.

Eliminating small expenditures is a minor adjustment for many of us, but it can actually help us save important

dollars that can be directed toward valuable savings and protection vehicles.

For example, a 40-year-old male, preferred non-smoker, who eliminates $2.71/day ($81.25/month) that he

would have spent on coffees and snacks, can use the freed-up cash to buy Foresters life insurance coverage

worth more than $100,000.

1. Track your spending on a typical day – if you can do it over several days, it might give you a better idea

of where your money goes.

2. Decide where you can trim, if that’s right for you.

3. Commit to setting that money aside by automatically having it taken out of your account each month,

and put it into a life insurance product customized to your unique needs.

How much can you save?

Spent on… Sunday _{Day 1} Monday _{Day 2} Tuesday _{Day 3} Wednesday _{Day 4} Thursday _{Day 5} Friday _{Day 6} Saturday _{Day 7} Weekly _total

Coffee Lunch Snacks Tobacco Newspapers Dining Out Alcohol Movies Daily total

I will commit to save $ /day or $ /month. Signed

406742 US (01/12)

Foresters

Budget

Review

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406743 US (01/12)

Lifestyle protection needs

A. Net annual income after tax: $

B. Percentage to insure: %

C. Number of years to continue income: Yrs

D. Assumed inflation rate (%) %

E. Income protection required

(A x B) x (Value from Table 1)

$

F. Mortgage balance: $

G. Percentage to insure: %

H. Mortgage protection required: (F x G)

$

I. Total Protection required:

(E + H) $

J. Total base required:

(I x 0.5) $

Foresters

Lifestyle

Protection needs

With Permanent Continuation

Client Name Date of Birth (MM/DD/YYYY) / / Sex

Insurance Class Male Female

Client Details

Table 1 – Future value income factors

Years to Protect Income

Assumed Inflation Rate

2% 3% 4% 5% 6% 1 1.02 1.03 1.04 1.05 1.06 2 2.06 2.09 2.12 2.15 2.18 3 3.12 3.18 3.25 3.31 3.37 4 4.20 4.31 4.42 4.53 4.64 5 5.31 5.47 5.63 5.80 5.98 6 6.43 6.66 6.90 7.14 7.39 7 7.58 7.89 8.21 8.55 8.90 8 8.75 9.16 9.58 10.03 10.49 9 9.95 10.46 11.01 11.58 12.18 10 11.17 11.81 12.49 13.21 13.97 11 12.41 13.19 14.03 14.92 15.87 12 13.68 14.62 15.63 16.71 17.88 13 14.97 16.09 17.29 18.60 20.02 14 16.29 17.60 19.02 20.58 22.28 15 17.64 19.16 20.82 22.66 24.67 16 19.01 20.76 22.70 24.84 27.21 17 20.41 22.41 24.65 27.13 29.91 18 21.84 24.12 26.67 29.54 32.76 19 23.30 25.87 28.78 32.07 35.79 20 24.78 27.68 30.97 34.72 38.99

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Foresters

Permanent

Protection needs

Client Name Date of Birth (MM/DD/YYYY) / / Sex

Insurance Class Male Female

406744 US (01/12)

With Lifestyle Enhancement

Client Details

Permanent needs

Real estate

Personal Property

Investments

Projected Federal Estate tax for years 2012 on... Cash

Existing coverage

Additional Savings Current Assets

Table 1 – Future value income factors

Years to Protect Income

Assumed Inflation Rate

2% 3% 4% 5% 6% 1 1.02 1.03 1.04 1.05 1.06 2 2.06 2.09 2.12 2.15 2.18 3 3.12 3.18 3.25 3.31 3.37 4 4.20 4.31 4.42 4.53 4.64 5 5.31 5.47 5.63 5.80 5.98 6 6.43 6.66 6.90 7.14 7.39 7 7.58 7.89 8.21 8.55 8.90 8 8.75 9.16 9.58 10.03 10.49 9 9.95 10.46 11.01 11.58 12.18 10 11.17 11.81 12.49 13.21 13.97 11 12.41 13.19 14.03 14.92 15.87 12 13.68 14.62 15.63 16.71 17.88 13 14.97 16.09 17.29 18.60 20.02 14 16.29 17.60 19.02 20.58 22.28 15 17.64 19.16 20.82 22.66 24.67 16 19.01 20.76 22.70 24.84 27.21 17 20.41 22.41 24.65 27.13 29.91 18 21.84 24.12 26.67 29.54 32.76 19 23.30 25.87 28.78 32.07 35.79 20 24.78 27.68 30.97 34.72 38.99

Table 2 – Projected Estate Tax Schedule

From To Tax + % On excess over

$0 $10,000 $0 18 $0 10,001 20,000 1,800 20 10,000 20,001, 40,000 3,800 22 20,000 40,001 60,000 8,200 24 40,000 60,001 80,000 13,000 26 60,000 80,001 100,000 18,200 28 80,000 100,001 150,000 23,800 30 100,000 150,001 250,000 38,800 32 150,000 250,001 500,000 70,800 34 250,000 500,001 750,000 155,800 37 500,000 750,001 1,000,000 248,300 39 750,000 1,000,001 1,250,000 345,800 41 1,000,000 1,250,001 1,500,000 448,300 43 1,250,000 1,500,001 2,000,000 555,800 45 1,500,000 2,000,001 2,500,000 780,800 49 2,000,000 2,500,001 3,000,000 1,025,800 53 2,500,000 3,000,001 1,290,800 55 3,000,000 A. Home $ B. Other $ C. Home $ D. Jewelry $ E. Household items $ F. Retirement accounts $ G. Stocks $ H. Mutual funds $ I. Bonds $ J. CV Life Insurance $

S. Projection period (in years) Yrs T. Future Value of today’s assets

(O x (1+R)^S₎_{Where ^ is an exponent sign}

$ U. Future value of additional savings

(P x Value from Table 1) x (1+R)^(S-Q) Where ^ is an exponent sign

$ V. Total projected estate $ W. Total projected estate taxes* (See Table 2) $

X. Percentage estate tax liability to insure %S

Y. Permanent protection need (W x X) $

K. Checking $

L. Savings $

M. Other $

N. Total of all permanent insurance $

O. Total today (Sum of A thru M less N) $

P. Annual amount $

Q. Number of years Yrs

R. Projected growth rate %S

*State inheritance or death taxes may also apply

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Foresters™ is an international

financial services provider, with

members in the US, Canada

and the UK. Our 140-year

heritage as a fraternal benefit

society — a member-based life

insurance provider for everyday

families — is the foundation of

our guiding principle: enriching

the lives of our members, their

families and the communities

they live in. We’re not a

faceless institution. We stand

for something more. Foresters

is an active part of your life, at

every stage.

• Assets $10.5 billion

1

• Surplus $1.7 billion

1,2

• “A” (Excellent) rating

3

A careful guardian of our members’ interests

Foresters maintains a strong financial position, with assets of

$10.5 billion CDN and a surplus of $1.7 billion CDN

1,2

_{. The independent}

rating agency A.M. Best Company has given Foresters financial outlook

an “A” (Excellent)

3

_{rating for excellent balance sheet strength and}

operating performance for 13 consecutive years.

We focus on strong operational performance, careful management and a conservative investment strategy. Our financial strength has enabled us to weather even the worst business and market conditions.

Like all life insurance providers, Foresters is monitored by federal and state regulators, who can take action when there are solvency concerns. As well, in the US, the National Association of Insurance Commissioners’ (NAIC) Risk-Based Capital (RBC) guidelines limit the amount of risk insurers can take and require insurers to maintain enough capital to meet their obligations to policyholders. Foresters RBC ratio exceeds the NAIC guidelines.

Where solvency becomes an issue, State Guaranty Associations offer policyholders some protection. These associations were created by state legislation and funded by assessments made against participating insurers. Foresters, as a membership-based life insurance organization, is not a member of State Guaranty Associations, and has no obligation to pay assessments to deal with the financial situations of other insurers. Instead, Foresters can continue to invest to fund Foresters liabilities, provide benefits of membership to our members and help the communities in which they live. Without

coverage from State Guaranty Associations, fraternal benefit society members may be subject to a special assessment. However, Foresters has assessed members only twice, the last time almost 100 years ago when members supported a special assessment to maintain a positive balance sheet during the First World War.

For

esters

our shared

strength

1

4

0

ye

ar

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Foresters has a history of sharing its financial success. In 2012, Foresters invested more than $17-million in member benefits that support our members and their communities.

Since 2006, Foresters has invested over $10 million with KaBOOM!, the national non-profit dedicated to saving play. By the end of 2013, Foresters and KaBOOM! had built almost 100 new playgrounds across the US and Canada. Imagine, over a 15-year lifespan, these playgrounds will give more than 3.3 million children and their families an opportunity to spend quality time together.

Since 1990, Foresters has helped raise over half a billion dollars for Children’s Miracle Network Hospitals®, a non-profit that raises funds for 170 children’s hospitals across North America.

Foresters believes in strong, supportive families. That’s why we are pleased to become an official partner of Ronald McDonald House Charities® (RMHC®). Beyond financial contributions, Foresters supports RMHC through volunteerism. Over the past four years, Foresters has organized more than 100 activities at local Ronald McDonald Houses, providing families with a sense of fun and comfort during an extremely stressful time. In addition, Foresters members received a $25-million special dividend in 2007 in the form of waiving premiums and/or providing additional death benefits on some older certificates. In 2002, Foresters waived the requirement for members to pay membership fees – a value of approximately $40-million to members. And, in 1973, to celebrate Foresters 100th anniversary, the annual dividend was increased by 50% and paid in cash value.

ForestersTM_{is the trade name and trademark of The Independent Order of Foresters, Toronto, Canada M3C 1T9; its subsidiaries are}

licensed to use this mark.

1 _{Financial results as at December 31, 2013.}

2 _{This surplus represents excess funds above the amount required as legal reserves for insurance and annuity certificates in force and provides additional assurances to our}

members for our long term financial strength.

3 _{An “A” (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance}

sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. In assigning Foresters rating on July 3, 2013, A.M. Best stated that the rating outlook is “stable”, which means it is unlikely to change in the near future. See ambest.com for our latest rating.

Ronald McDonald House Charities, RMHC, Ronald McDonald House, Ronald McDonald Family Room, and Ronald McDonald Care Mobile are all registered trademarks of McDonald’s Corporation or its affiliates and are used with permission.