Foresters Your Legacy e-kit

(1)

Foresters Your Legacy

e-kit

Your Legacy Producer Guide – 503610 US (11/14) Page 2

Your Legacy Consumer Brochure – 503571 US (11/14) Page 10

Your Legacy Coverage at a Glance Worksheet - 503572 US (11/14) Page 12

Foresters Financial Strength - 503515 US (07/15) Page 14

(2)

503610 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

Your Legacy

Producer Guide

Single Premium Whole Life Insurance

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

your questions and provide ideas to help you sell Your Legacy single

premium whole life insurance. Check Foresters™

Producer Portal

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 Portal

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.

This document is intended for producer use only and should not be

disclosed to the public. The information contained in this guide is general

in nature and is subject to the applicable certificate and rider wording.

(3)

CONTENTS

FAST FACTS ... 3

PRODUCT SPECIFICATIONS ... 4

DESCRIPTION ... 4 PREMIUM MODE ... 4 ISSUE AGES ... 4 UNDERWRITING CLASSIFICATIONS ... 4 RATINGS... 4 ILLUSTRATIONS ... 4 TARGET MARKET ... 4 MINIMUM PREMIUM ... 4 MAXIMUM PREMIUM ... 4

MINIMUM AND MAXIMUM FACE AMOUNTS ... 4

NET AMOUNT AT RISK ... 4

CERTIFICATE FEE ... 4

CONVERSIONS ... 4

1035 EXCHANGES ... 4

CASH VALUE AND DIVIDENDS ... 4

CASH VALUES ... 4

DIVIDENDS ... 4

SURRENDERS AND LOANS ... 5

SURRENDERS ... 5

LOANS ... 5

REINSTATEMENT ... 5

RIDERS ... 5

COMMON CARRIER ACCIDENTAL DEATH RIDER ... 5

FAMILY HEALTH BENEFIT RIDER ... 5

ACCELERATED DEATH BENEFIT RIDER ... 6

SOFTWARE HELP ... 7

Key Contact Information ... 7

SALES SUPPORT ... 7

OUR PRODUCER SERVICE CENTER ... 7

MARKETING SUPPLIES ... 7

For Producer Use Only 503610 US (11/14) Page 2 of 7

(4)

FAST FACTS

Product Type Participating Whole Life Issue Ages

(age nearest birthday)

0-85 (non-medical) Premium

Period Single Pay

Underwriting Classification

(Non-Medical)1

Juvenile (issue ages 0-15) Non-Tobacco (issue ages 16-85)

Tobacco (issue ages 16-85) Substandard (issue ages 16-80)

Minimum Premium Issue Age 0 - 15: $1,500 Issue Age 16 - 29: $5,000 Issue Age 30 - 85: $10,000 Loans

Can be taken if the certificate is in effect and has positive cash

surrender values. Interest is charged daily at current Foresters US

variable loan rates. Death benefit payable is net of the outstanding certificate loan amount(s) (including accrued interest).

Maximum Premium

$500,000

(subject to maximum net amount at risk)

Loan Rate Variable Net Amount Maximum

at Risk Issue Age 0 - 15: $150,000 Issue Age 16 - 55: $250,000 Issue Age 56 - 75: $175,000 Issue Age 76 - 85: $150,000 Dividend Options

Paid-up Additions (PUA) On deposit with interest

Paid in cash

Minimum/ Maximum

Face Amounts

The minimum face amount is the amount that the minimum single premium will purchase based on issue age, gender, underwriting classification, and rating (if applicable). The maximum face amount is the initial face amount less the single premium, subject to the maximum net amount at risk (per the chart above).

Illustrations Required for certificate issue 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 are subject to change, and is also subject to state availability and variations and to the terms, including definitions and limitations, set out in the state specific product.

1. In some situations, substandard underwriting classification may require an Attending Physician’s Statement (APS)

(5)

PRODUCT SPECIFICATIONS

DESCRIPTION

Foresters Your Legacy Single Premium Whole Life Insurance (Foresters Your Legacy) is a non-medical participating whole life product which provides lifetime death benefit protection, guaranteed cash values, and potential dividends. It is designed and priced based on the 2001 Commissioners Standard Ordinary (CSO) mortality tables.

PREMIUM MODE

• Single premium payment only

ISSUE AGES

0-85 (age nearest birthday)

Backdating to save age is not allowed on Your Legacy.

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

Foresters Your Legacy is issued based on standard underwriting, tables 1-4 (+25% to +100) with the following classes:

• Juvenile (issue ages 0-15)

• Non-Tobacco (issue ages 16-85)

• Tobacco (issue ages 16-85)

RATINGS

Substandard underwriting is available on issue ages 16 to 80. Rating classes are based on tables 5 to 8 (+125 to +200) and will be determined by Underwriting.

ILLUSTRATIONS

At the Point-of-Sale (POS) of Foresters Your Legacy, 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 the illustration must be signed by the producer and the prospective Owner and submitted with the application to Foresters.

TARGET MARKET

• Seeking guarantees and lifetime life

insurance protection

• Wealth transfer and preservation

MINIMUM PREMIUM

Issue Age 0 - 15: $1,500 Issue Age 16 - 29: $5,000 Issue Age 30 - 85: $10,000

MAXIMUM PREMIUM

Maximum single premium is $500,000 across all issue ages, subject to the maximum net amount at risk.

MINIMUM AND MAXIMUM FACE AMOUNTS

The minimum face amount is the amount that the minimum single premium will purchase based on issue age, gender, underwriting classification, and rating (if applicable). The maximum face amount is the initial face amount less the single premium, subject to the maximum net amount at risk (see “Net Amount at Risk”).

NET AMOUNT AT RISK

Net amount at risk is defined as the initial face amount minus the single premium. The following is the maximum net amount at risk based on age: Issue Age 0 - 15: $150,000

Issue Age 16 - 55: $250,000 Issue Age 56 - 75: $175,000 Issue Age 76 - 85: $150,000

CERTIFICATE FEE

There is no certificate fee.

CONVERSIONS

Conversion from a Foresters term certificate to Foresters Your Legacy is not allowed.

1035 EXCHANGES

1035 exchanges are allowed, provided that monies from the 1035 exchange are applied towards the single premium at the time of issue.

CASH VALUE AND DIVIDENDS

CASH VALUES

Cash values are guaranteed and vary based only on gender and insurance class.

DIVIDENDS

Dividends are not guaranteed and vary by factors such as issue age, duration, gender, and insurance class. Available dividend options are:

• Paid-up Additions (PUA)

• On deposit with interest

• Paid in cash

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

(6)

SURRENDERS AND LOANS

Modified Endowment Contract

Due to the single premium and seven-pay limits, most certificates will be issued as a Modified Endowment Contract (MEC). Cash distributions from a certificate that is a MEC may have tax implications. The Certificate Owner should consult a tax advisor for any potential tax implications.

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) and/or accumulated dividends on deposit, less any outstanding debt.

Partial Surrender

A certificate can be partially surrendered by surrendering Paid-up Additions (PUAs), if any. The death benefit supported by the PUAs 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 interest). If the loan amount exceeds the cash value plus the present value of PUAs and dividends on deposit amount the certificate will terminate. In addition, 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

Once a certificate has terminated or lapsed it cannot be reinstated.

RIDERS

COMMON CARRIER ACCIDENTAL DEATH RIDER

Available on Life insured

Issue ages 0-85

Description This rider, automatically included on

all eligible certificates at no additional 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 Up to two times the face amount (rider benefit is subject to a maximum of $300,000 across all Foresters accidental death coverage)

Expiry date The certificate anniversary on which the insured is age 100.

FAMILY HEALTH BENEFIT RIDER

Issue ages 0-85

Description This rider, automatically included on all eligible certificates at no additional 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

the insured is age 100.

(7)

ACCELERATED DEATH BENEFIT RIDER

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 receive 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

Eligibility

Criteria Chronic and Critical Illnesses: • Issue face amount must be at least $20,000;

• Insured’s issue age is 80 or younger;

and

• Standard rated cases

Terminal Illness:

• Issue face amount must be at least

$20,000;

• All ages; and

• Standard & sub-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

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

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)

(8)

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.

SOFTWARE HELP

You can access/download Foresters Your Legacy software by logging onto the Foresters Producer Portal. 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.

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

If you need to inquire about business you have recently submitted, or an existing inforce certificate, 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

Marketing supplies are available through the Foresters Producer Portal.

(9)

Your Legacy

Single Premium

Whole Life Insurance

For

esters

future

generations

Foresters

membership–

real added value

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, ON Canada M3C 1T9.

503571 US (11

/1

4)

This brochure is provided for information purposes only; it does not form part of the Foresters Your Legacy Single Premium 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 Your Legacy 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 Your Legacy and its riders are subject to underwriting approval and may not be available or approved in all states, and state variations may apply. Foresters Your Legacy and its riders are filed under the following form numbers, where “XX” represents either “US” or your state’s postal abbreviation, as applicable.

Foresters Your Legacy: ICC14-WL-SPREM-US01 or WL-SPREM-XX01-2014

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 orTRAD-ABRTI-XX01-2014

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

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

Not a deposit. Not FDIC insured. Not guaranteed by any bank or credit union. Not insured by any federal government agency.

Compliments of:

For 140 years, Foresters™ has put its prosperity and financial strength to work for those who matter most – our members.

Enhancing family life

Foresters, in partnership with KaBOOM!, has built more than 100 playgrounds across the US and Canada. Over a 15-year lifespan, these playgrounds will give more than 3-million children and their families an opportunity to spend quality time together.

Believing in supportive families

Foresters is proud to be a Founding Partner of Children’s Miracle Network Hospitals® (CMN Hospitals), a non-profit organization that raises funds for over 170 children’s hospitals across North America. Since 1990, Foresters has helped raise over half a billion dollars for CMN Hospitals, helping millions of children receive access to the quality specialized health care they so desperately need.

Helping families get more out of life

When you become a Foresters member, you can enjoy a remarkable package of complimentary member benefits1_{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.

The Independent Order of Foresters 789 Don Mills Road

Toronto, ON Canada M3C 1T9 U.S. Mailing Address:

PO Box 179

(10)

Foresters Your Legacy may include three additional, complimentary benefits:

Family Health Benefit Rider pays a benefit to help pay some family health expenses that may occur as a result of certain natural disasters, such as earthquakes, hurricanes, and tornadoes.

Common Carrier Accidental Death Rider provides an additional death benefit on death from accidental injuries that occur while riding as a fare-paying passenger on a common carrier, such as a bus or a train.

Accelerated Death Benefit Rider2_{provides an option}

to accelerate a portion of the eligible death benefit and receive a payment3_{. 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.

Insurance protection which also helps you transfer wealth to benefit you – and future generations

Foresters Your Legacy is single premium, participating whole life insurance that provides

permanent protection for your lifetime – up to age 121. Your Legacy can be ideal for both individual and estate planning needs1_.

Cash value can help you fulfil the promise of life

Your Legacy life insurance accumulates guaranteed cash value and may also pay dividends which can be left on deposit to accumulate with guaranteed interest, paid in cash or used to purchase additional coverage.

Complimentary member benefits

Foresters members may be eligible to receive a package of member benefits that, along with your life insurance coverage, can help you and your family do more. See the right side of this brochure for more details.

Putting it all together

Your life insurance representative will show you how Your Legacy life insurance and member benefits offer real value in times of need.

Your Legacy

Single Premium

Whole Life Insurance

2 _{This rider is not available for certificates issued with a base face amount}

of less than $20,000. On certificates where the insured’s issue age is higher than 80 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued.

3 _{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.

4_{Not available as a member benefit in the states of Illinois or New York or}

on Accidental Death products.

5_{This program is administered by International Scholarship and Tuition}

Services, Inc.

Benefit

amount Premium

Terminal Illness loan4

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.

$250,000 maximum

Complimentary for members

Competitive Scholarships5

Available every year to eligible members and their family who can qualify for up to $8,000 in support. $8,000 maximum per child Complimentary for members 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. $24,000 maximum per child Complimentary for members Orphan benefits

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

$194,400 maximum per child Complimentary for members Everyday Money Toll-free access to accredited counsellors can help with everyday money issues, such as budgets and debt.

Invaluable Complimentary _{for members}

Legal Link

Access certain free and discounted legal services in your area. Connect with lawyers for help with a variety of issues including wills, home ownership and family law. Invaluable Complimentary for members

Building

Your

Legacy

Foresters member benefits

for you and your family

1 _{Foresters, their employees and life insurance representatives, do not}

provide, on Foresters behalf, legal or tax advice. Consult a tax or legal advisor regarding estate planning.

(11)

Real benefits when you need them

Your Legacy isn’t just about financial protection, it’s also about how

you live your life and how you’ll be remembered.

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.

There are many ways Foresters member benefits

1

_{can help you and your}

family – and help create your legacy.

• Competitive scholarships of up to $8,000 for children and

grandchildren.

• Community grants of up to $2,500 in funding, as well as tools and

resources to help plan local activities for family and friends.

• Complimentary family events help members reconnect and enjoy

meaningful time with the ones they love.

• Legal

Link

provides access to certain free and discounted legal

services in your area. Connect with lawyers for help with a variety

of issues including wills, home ownership and family law.

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, ON Canada M3C 1T9; its subsidiaries are licensed to use this mark.

For

esters

future

generations

Your Legacy

Single Premium

Whole Life Insurance

Foresters

Your Legacy

provides

protection for your lifetime (up

to age 121), guaranteed cash

value and may also pay dividends

which can be left to accumulate

with guaranteed interest, paid

in cash or used to purchase

additional insurance.

If you become a member, you

can enjoy a surprising package of

complimentary benefits

1

_{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 offer real

benefits in times of need.

(12)

Plus:

Complimentary Member Benefits

4

Prepared for:

Name

Date

Prepared

by

Contact

info

Foresters Your Legacy

Single Premium 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 from 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 Rider2

Provides an option to accelerate a portion of the eligible death benefit and receive a payment3_{. 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

The Independent Order of Foresters

789 Don Mills Road

Toronto, ON Canada M3C 1T9

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

P.O. Box 179 Buffalo, NY 14201-0179

This brochure is provided for information purposes only; it does not form part of the Foresters Your Legacy Single Premium 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 Your Legacy 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 Your Legacy and its riders are subject to underwriting approval and may not be available or approved in all states, and state variations may apply. Foresters Your Legacy and its riders are filed under the following form numbers, where “XX” represents either “US” or your state’s postal abbreviation, as applicable.

Foresters Your Legacy: ICC14-WL-SPREM-XX01 or WL-SPREM-XX01-2014 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

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

Family Health Benefit Rider: WL-FHB-XX01-2011 Not a deposit. Not FDIC insured. Not guaranteed by any bank or credit union. Not insured

by any federal government agency.

Benefit

amount Premium

Terminal Illness loan5

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. $250,000 maximum Complimentary for members Competitive Scholarships6

Available every year to eligible members and their family who can qualify for up to $8,000 in support. $8,000 maximum per child Complimentary for members 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. $24,000 maximum per child Complimentary for members Orphan benefits

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

$194,400 maximum per child Complimentary for members Everyday Money

Toll-free access to accredited counsellors can help with everyday money issues, such as budgets and debt.

Invaluable Complimentary

for members

Legal Link

Access certain free and discounted legal services in your area. Connect with lawyers for help with a variety of issues including wills, home ownership and family law.

Invaluable Complimentary _{for members}

2_{This rider is not available for certificates issued with a base face amount of less than}

$20,000. On certificates where the insured’s issue age is higher than 80 or issued as sub-standard, Terminal illness, where available, will be the only eligible illness issued.

3 _{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.

4_{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.

5_{Not available as a member benefit in the states of Illinois or New York or on Accidental}

Death products.

6_{This program is administered by International Scholarship and Tuition Services, Inc.}

Total Planned Premium

503572 US (11

/1

(13)

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

$11.9

billion

1

Surplus

$1.9

billion

1,2

“A”

Excellent

rating

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

A careful guardian of our members’ interests

Foresters maintains a strong financial position, with

assets of $11.9 billion CDN and a surplus of $1.9 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 15 consecutive years.

(14)

Foresters has a history of sharing its financial success. In 2014, Foresters invested more than $20.4-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 2014, Foresters and KaBOOM! had built over 100 new playgrounds across the US and Canada. Imagine, over a 15-year lifespan, these playgrounds will give more than 4 million children and their families an opportunity to spend quality time together.

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

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, 2014.}

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 1, 2015, 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.

503515 US (07/15)

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.