407967 US (12/12) Producer Use Only Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, Toronto,

407967 US (12/12) Producer Use Only

Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit

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

Foresters products may not be available or approved in all states, and state variations may apply.

I wanta special insurance carrier


Who is Foresters

FinancialStrength

FraternalDifference

ProductPortfolio

SalesSupport

ProducerRewards

Member Benefits


• Assets of $8.588 billion CDN and liabilities of $7.144 billion CDN.

• Foresters conservative investment strategy has resulted in a strongsurplus of $1.444 billion CDN and the ability to withstand adversebusiness and market conditions.

• Solvency ratios are beyond the local regulatory requirementsand above industry averages in all three countries of business.

• Foresters financial strength, as measured by A. M. Best Company, is rated “A” (Excellent) and has been for the past 12 years.

Ratings and figures current as of Dec. 31, 2011. 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 06, 2012, 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 ratings.

Financial Strength

http://www.ambest.com/


• How are Fraternal Benefit Societies different from other life insurance carriers?

– Our customers are our members and apply for membership in the application

– Share a common bond

– Non Denominational

– Fraternal Concept: People helping People

• Not subject to tax – but Foresters is expected to spend the equivalent for the benefit of members and their communities

Fraternal Difference


• In 2011, over $48 million was raised for Children’s Miracle Network Hospitals® in the United States and Canada.

• Foresters role as founding sponsor and international underwriter of Children’s Miracle Network’s Radiothon means 100% of funds stayed in the community.

• Since 1990, Foresters has helped raise almost half a billion dollars for Children’s Miracle Network.


407967 US (12/12) Producer Use Only503349 US (10/11)



The Foresters Difference – Playground Builds• Since 2006, Foresters has built or planned nearly 100 KaBOOM! playgrounds, thanks to the volunteer efforts of Foresters members, independent producers and local community partners.

• These playgrounds will eventually serve over 1,000,000 children and families, providing them with a safe place to play, learn and spend time together across North America.



Emergency assistance relief granted by Foresters:

• Fargo/Bismarck Flooding – March/09

• Mississippi Tornadoes – April/10

• East Coast Hurricane Irene – August/11

• Texas Wildfires – September/11

• Florida Flooding – June/12

• Colorado Wildfires – June/12

• Super Storm Sandy – November/12


Member Benefits


ScholarshipsTerminal

Illness LoansOrphan Benefits

EverydayMoney

Legal Link

Up to 75% of the net face amount of Foresters Life insurance up to a maximum of $250,000

Definition of terminal illness: Reasonable certainty of death within 12 months as determined by a legally qualified Physician who can provide medical proof satisfactory to Foresters

Not available as a member benefit in the states of Illinois or New York or on Accidental Death products.

Orphan ScholarshipOne parent - $1,500/yearSingle parent - $3,000/yearBoth parents - $6,000/yearRenewable for up to 4 years

Competitive Scholarship$2,000 per year for up to 4 years

$900 per month per child to age 18

The benefit starts one month after the child of a member becomes an orphan

The benefit ends when the child reaches age 18, gets married, is self-supporting, receives a scholarship grant or leaves school

Toll-free and confidential phone-based financial helpline.- may help reduce the stress involved with financial decision-making- designed to help with other areas of a member’s financial life and will not involve the sale of, or recommendations on, any financial products.

Legal Link offers members access to free and discounted legal services in their area.

Call to connect with lawyers from across North America for help with a variety of issues including wills, home ownership and family law.

Foresters member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or cancelled without notice.

Member Benefits

Suppose two parents with three small children

(turning ages 1, 3,and 5) pass away

• Foresters could pay death benefits

• Foresters would also pay the Orphan Benefit to

the legal guardian of the orphaned children

Member Benefit Benefit Amount

Orphan Benefits Up to $486,000

Orphan Scholarship

Up to $72,000

Total Benefits $558,000

Foresters members include insureds under Foresters certificates. Members’ immediate family members may also be eligible to apply for certain member benefits. Foresters member benefits are non-contractual, subject to benefit-specific eligibility requirements and limitations, and may be changed or canceled without notice.



Member Benefits

I wanta comprehensive portfolio of products


Product Portfolio

Non-medical* Medically Underwritten

$250,000

Lifefirst Level Term Life

Advantage Plus Whole Life

SMART UL

Lifefirst Level Term Life

Advantage Plus Whole Life

*Insurability depends on the answers to a few medical and

lifestyle questions and an underwriting review, based on underwriting requirements and

guidelines.


Product Portfolio

Niche

PlanRight Whole Life

Prepared Accident Only Term

Life Insurance


Product Portfolio

Lifefirst SMART UL Advantage Plus

PlanRight Prepared

Ages 25-55

Looking for temporary life insurance for needs, such as mortgage or income protection, at an affordable price

Clients who don’t want to go through the hassles of full underwriting

Looking for personal protection from total disability and certain critical illnesses

Ages 30-50 looking for long term cash value growth

Ages 50-70 looking for guaranteed premium and a death benefit

Middle income market

Want lifetime life insurance protection (up to age 121)

Want cash value accumulation potential

Non-medical or medically underwritten plans

Ages 30-50

Middle income Market

Looking for lifetime life insurance protection

Clients who don’t want to go through the hassles of full underwriting

Looking for cash value accumulation potential

Ages 60-85

Lower income Market

Looking to help cover costs of final expenses.

Clients who may not be in the best of health and don’t want to go through the hassles of full underwriting

Ages 18 to 60

Americans looking for financial protection from premature death as a result of an accident

Clients who don’t want to go through the hassles of underwriting or do not qualify for traditional (all causes) life insurance


Lifefirst

Lifefirst Term - Non-Medical 20-year Term - $100,000

Age 35MaleStd NT

RankingMaleStd

TRanking

FemaleStd NT

RankingFemale

Std T

Ranking

Foresters Lifefirst $22.51 3 $39.62 2 $21.63 4 $35.90 2

AG Ultra Mortgage Complete $21.18 2 $41.74 3 $21.18 3 $41.74 5

ANICO Signature Term Express $15.21 1 $32.23 1 $14.43 1 $29.12 1

Americo Simplified Issue 100 Term $28.22 7 $45.70 5 $28.22 8 $45.70 7

Assurity Non Med Term 350 $25.08 5 $47.96 6 $20.42 2 $38.19 3

Fidelity Rapid Decision Express $27.58 6 $53.07 7 $23.40 6 $44.28 6

United Home Life Express Issue Term $30.60 8 $66.12 8 $26.69 7 $51.06 8

United of Omaha – Term Life Express $24.65 4 $43.88 4 $23.14 5 $41.56 4

Source:- Americo Simplified Issue 100 Term Rate Cards v03/12- Cited with permission of Compulife® (as of November 12, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

Lifefirst Term - Non-Medical 20-year Term - $100,000

Age 45MaleStd NT

RankingMaleStd

TRanking

FemaleStd NT

RankingFemale

Std T

Ranking


AG Ultra Mortgage Complete $43.40 3 $94.06 3 $43.40 6 $94.06 6

ANICO Signature Term Express $27.39 1 $71.54 1 $22.20 1 $54.00 1

Americo Simplified Issue 100 Term $51.68 7 $100.32 5 $51.68 8 $100.32 8


Fidelity Rapid Decision Express $48.98 4 $107.10 7 $39.15 3 $85.70 4

United Home Life Express Issue Term $57.85 8 $137.08 8 $42.78 5 $99.23 7

United of Omaha – Term Life Express $49.66 5 $96.65 4 $46.90 7 $91.05 5

Source:- Americo Simplified Issue 100 Term Rate Cards v03/12- Cited with permission of Compulife® (as of November 12, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

Lifefirst Term – Medical 10-year Term - $300,000

Age 45MalePrefNT

RankingMaleStd

TRanking

Female PrefNT

RankingFemale

Std T

Ranking


AG Select-a-Term $35.73 9 $132.12 6 $28.98 9 $104.85 7

ANICO Signature Term $26.70 3 $116.12 2 $23.07 2 $86.83 3


AVIVA 10 Year Term $32.57 8 $138.84 8 $27.23 8 $110.81 10

Banner OPTerm $25.90 2 $108.59 1 $23.28 3 $86.54 1

Genworth Colony Term $30.36 7 $145.08 9 $25.90 5 $105.18 8

Lincoln Benefit TrueTerm $40.95 11 $153.04 10 $35.18 11 $109.99 9

Lincoln National LifeElement $37.38 10 $160.20 11 $32.84 10 $116.15 11

Protective Secure T (Term UL) $25.27 1 $133.89 7 $22.68 1 $96.14 6

ING ReliaStar TermSmart $28.61 5 $118.13 3 $26.25 6 $93.19 5

United of Omaha – Term Life Answer $29.06 6 $120.64 4 $26.66 7 $88.33 4

Source:- Cited with permission of Compulife® (as of November 12, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

Lifefirst Term – Medical 20-year Term - $300,000

Age 45MalePrefNT

RankingMaleStd

TRanking

Female PrefNT

RankingFemale

Std T

Ranking


AG Select-a-Term $43.83 5 $196.92 4 $36.54 4 $156.15 5

ANICO Signature Term $41.47 2 $183.25 2 $34.47 3 $132.97 2


AVIVA 20 Year Term $53.40 8 $225.08 8 $40.85 8 $159.67 7

Banner OPTerm $41.13 1 $179.73 1 $33.51 2 $132.21 1

Genworth Colony Term $46.90 7 $219.36 7 $37.98 6 $167.91 10

Lincoln Benefit TrueTerm $57.49 9 $234.94 9 $46.73 9 $165.64 8

Lincoln National LifeElement $61.41 10 $241.64 10 $47.53 10 $167.68 9

Protective Secure T (Term UL) $41.75 3 $201.81 5 $33.28 1 $144.06 4

ING ReliaStar TermSmart $43.31 4 $192.15 3 $39.11 7 $133.61 3

United of Omaha – Term Life Answer $84.37 11 $244.84 11 $61.68 11 $161.00 11

Source:- Cited with permission of Compulife® (as of November 12, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.


SMART UL

Non-Med Universal Life Male 35 yrs old standard non smoker, $250,000 face amount, $2,540 Annual Premium

Current Int Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40Target

PremiumSecondary Guarantee

Secondary Guarantee Premium

ANICO Executive UL 4.35% 5,041 17,843 61,820 115,922 197,702 1,125 10 Years 938

American Amicable

Easy UL 3.20% 2,046 11,828 34,500 48,127 32,747 1,883 15 Years 1,448

Americo LifeCrest UL 4.50% 6,513 20,864 64,070 117,820 195,208 2,505 20 Years 752

Americo Life Crest UL SI 3.20% 6,444 20,187 52,079 79,640 90,246 1,375 15 Years 1,375

LSW Horizon UL 6.00% 6,313 20,546 71,739 178,136 416,043 2,553 15 Years 1,283

Foresters Smart UL 5.75% 4,733 17,955 58,606 120,845 224,493 1,674 10 Years 1,357

Smart UL Rank 2 5 4 4 2 2

Sources: Individual company software as of November 1, 2012 Guideline Premium Test with Level Death Benefit Based on current COI.• Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals.For Producer Use Only

Non-Med Universal Life Female 35 yrs old standard non smoker, $250,000 face amount, $2,000 Annual Premium




ANICO Executive UL 4.35% 3,006 12,900 47,454 86,578 141,623 1,338 10 Years 1,070

American Amicable

Easy UL 3.00% 5,946 17,950 45,951 82,602 86,949 1,643 15 Years 1,263












American Amicable

Easy UL 3.20% 14,037 36,805 86,887 132,872 159,931 2,988 15 Years 2,298

Americo LifeCrest UL 4.50% 10,976 32,345 93,568 166,732 293,702 1,489 20 Years 3,808











American Amicable

Easy UL 3.00% 5,771 18,278 43,688 52,209 N/A 2,493 15 Years 1,918


Americo Life Crest UL SI 3.20% 3,310 13,706 32,478 30,805 N/A 1,823 15 Years 1,823









ANICO Executive UL 4.35% 2,029 7,165 24,803 46,206 76,708 675 10 Years 540

American Amicable

Easy UL 3.20% 3,392 9,482 23,349 37,512 48,922 753 15 Years 579


Americo Life Crest UL SI 3.20% 2,395 7,676 19,862 29,978 32,322 550 15 Years 550

LSW Horizon UL 6.00% 2,261 7,632 24,443 52,378 102,008 1,030 15 Years 696

Foresters Smart UL 5.75% 1,610 6,523 21,589 44,199 80,245 762 10 Years 635







ANICO Executive UL 4.35% 4,331 13,056 40,033 74,091 134,756 1,035 10 Years 828

American Amicable

Easy UL 3.20% 10,780 26,039 63,016 112,010 177,661 1,195 15 Years 919




Foresters Smart UL 5.75% 8,939 20,540 49,904 106,179 205,193 1,146 10 Years 924







ANICO Executive UL 4.35% 4,192 7,830 25,311 43,567 63,315 815 10 Years 652

American Amicable

Easy UL 3.20% 3,612 10,163 24,480 35,168 29,497 997 15 Years 767



LSW Horizon UL 6.00% 1,900 7,314 23,199 47,100 85,944 1,442 15 Years 912

Foresters Smart UL 5.75% 1,952 7,462 23,511 44,383 69,954 974 10 Years 830



Non-med Universal Life

Male 55 yrs old, $100,000 face amount, AP $2,600

Current Int Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Target PremiumSecondary Guarantee



American Amicable

Easy UL 3.20% 8,674 21,899 49,124 71,638 101,528 2,127 15 Years 1,636


Americo LifeCrest UL SI 3.20% 6,469 17,462 40,560 51,639 0 1,554 15 Years 1,554





Non-Med Universal Life

Female 55 yrs old, $250,000 face amount, AP $6,500

Current Int Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Target PremiumSecondary Guarantee



American Amicable

Easy UL 3.20% 24,201 60,292 145,215 322,947 404,528 4,308 15 Years 3,313

Americo Life Crest UL 4.50% 20,111 53,571 135,549 266,305 487,889 4,488 20 Years 2,388







Advantage Plus

Whole Life Non-MedicalMale, standard, non-tobacco, age 40

$75,000

Year Guar CV Curr CV Curr DB Curr CV Curr DB Year Guar CV Curr CV Curr DB Curr CV Curr DB

5 $2,865 $3,577 $77,510 - 17.55% 100.78% 5 $3,846 $4,048 $75,681 - 15.17% 97.31%

10 $8,236 $10,490 $81,731 - 2.92% 33.18% 10 $9,212 $10,166 $77,731 - 4.40% 31.45%

20 $21,034 $29,885 $94,304 1.82% 11.59% 20 $22,031 $26,620 $84,650 0.29% 10.32%

30 $35,532 $58,722 $113,717 2.85% 6.53% 30 $36,454 $50,365 $97,561 1.64% 5.44%

40 $50,099 $97,273 $138,621 3.08% 4.53% 40 $51,302 $83,187 $116,991 2.20% 3.64%


5 $2,537 $3,062 $77,040 - 32.94% 92.94% 5 $2,864 $3,416 $76,936 - 23.61% 93.36%

10 $7,939 $10,322 $82,709 - 11.20% 30.62% 10 $8,234 $9,958 $80,094 - 6.66% 30.23%

20 $21,396 $32,607 $100,649 - 2.94% 10.82% 20 $21,032 $29,158 $92,432 0.20% 10.23%

30 $35,591 $62,309 $120,602 - 1.30% 5.98% 30 $35,525 $58,195 $112,110 1.91% 5.65%

40 $50,272 $101,902 $144,820 - 0.65% 4.10% 40 $50,083 $97,712 $137,983 2.46% 3.91%

Premium = $1,427

Premium = $1,291 IRR

Foresters

Assurity

IRR

Lafayette

Premium = $1,442

Premium = $1,230

IRR

IRR

Mutual Trust

This comparison is based on Foresters Whole Life insurance rates as of November 2012 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of November 2, 2012. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been

underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends.

For producer use only, not to be disclosed to the public

Whole Life Non-Medical

Female, standard, non-tobacco, age 40$75,000


5 $2,412 $3,098 $77,719 - 20.92% 102.65% 5 $3,349 $3,477 $75,487 - 14.92% 104.92%

10 $7,106 $9,221 $82,080 - 4.64% 33.89% 10 $8,069 $8,732 $77,134 - 4.25% 34.13%

20 $18,060 $26,753 $96,301 1.13% 12.05% 20 $19,082 $23,230 $84,822 0.52% 11.64%

30 $30,906 $53,117 $116,299 2.47% 6.84% 30 $32,119 $45,345 $98,900 1.98% 6.38%

40 $44,965 $88,529 $139,071 2.83% 4.69% 40 $46,656 $77,758 $119,670 2.60% 4.39%


5 $2,096 $2,465 $76,633 - 32.47% 102.51% 5 $2,411 $2,933 $77,054 - 24.72% 98.95%

10 $6,810 $8,360 $80,681 - 10.21% 33.79% 10 $7,100 $8,702 $80,289 - 7.01% 32.30%

20 $18,283 $25,091 $92,712 - 2.47% 11.84% 20 $18,046 $25,696 $93,394 0.11% 11.25%

30 $30,897 $46,540 $105,051 - 0.83% 6.37% 30 $30,876 $51,661 $112,894 1.90% 6.32%

40 $45,086 $74,716 $119,026 - 0.19% 4.10% 40 $44,900 $86,906 $135,577 2.46% 4.31%

IRR

Mutual Trust

Premium = $1,270


Foresters

Assurity

IRR

Lafayette

Premium = $1,173

Premium = $1,187

IRR

This comparison is based on Foresters Whole Life insurance rates as of November 2012 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of November 2, 2012. Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due.

The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends.


Whole Life Fully UnderwrittenMale, standard, non-tobacco, age 40

$500,000


5 $19,100 $24,380 $518,619 - 14.60% 104.41% 5 $25,640 $26,987 $504,537 - 11.30% 103.15%

10 $54,904 $71,681 $550,095 - 1.16% 34.60% 10 $61,410 $67,776 $518,204 - 2.15% 33.58%

20 $140,227 $207,148 $645,954 2.82% 12.38% 20 $146,870 $177,465 $564,334 1.42% 11.31%

30 $236,879 $412,590 $793,356 3.56% 7.14% 30 $243,025 $335,765 $650,403 2.37% 6.10%

40 $333,990 $690,833 $981,255 3.64% 5.05% 40 $342,010 $554,579 $779,943 2.72% 4.14%


5 $16,915 $20,413 $513,601 - 30.95% 96.05% 5 $19,095 $20,721 $505,710 - 20.23% 102.64%

10 $52,925 $68,812 $551,390 - 9.91% 31.75% 10 $54,895 $61,582 $519,762 - 4.21% 33.40%

20 $142,640 $217,379 $670,992 - 2.29% 11.37% 20 $140,210 $181,427 $588,418 1.54% 11.56%

30 $237,270 $415,393 $804,012 - 0.83% 6.37% 30 $236,835 $364,177 $708,460 2.84% 6.54%

40 $335,145 $679,350 $965,469 - 0.36% 4.34% 40 $333,885 $615,663 $872,614 3.20% 4.62%

IRR

Mutual Trust

Premium = $7,760


Foresters

Assurity

IRR

Lafayette

Premium = $8,995

Premium = $7,637

IRR

This comparison is based on Foresters Whole Life insurance rates as of November 2012 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of November 2, 2012. Premiums are calculated on a level basis, payable to age 100, and assume

the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends.


Whole Life Fully Underwritten

Female, standard, non-tobacco, age 40$500,000


5 $16,083 $20,673 $518,195 - 16.53% 109.50% 5 $22,325 $23,179 $503,249 - 11.19% 110.69%

10 $47,370 $61,802 $548,299 - 1.97% 36.37% 10 $53,795 $58,216 $514,229 - 2.09% 36.18%

20 $120,400 $180,795 $647,992 2.53% 13.23% 20 $127,215 $154,866 $565,476 1.60% 12.57%

30 $206,041 $361,834 $789,677 3.41% 7.67% 30 $214,125 $302,303 $659,329 2.67% 7.00%

40 $299,768 $607,299 $952,306 3.53% 5.34% 40 $311,040 $518,385 $797,798 3.10% 4.85%


5 $13,970 $16,433 $510,884 - 30.19% 106.28% 5 $16,070 $17,329 $504,949 - 20.23% 102.64%

10 $45,400 $55,734 $537,875 - 8.68% 35.16% 10 $47,335 $52,662 $517,592 - 4.21% 33.40%

20 $121,885 $167,272 $618,080 - 1.94% 13.48% 20 $120,305 $156,443 $586,890 1.54% 11.56%

30 $205,980 $310,269 $700,340 - 0.36% 6.76% 30 $205,840 $315,441 $699,820 2.84% 6.54%

40 $300,575 $498,104 $793,510 0.20% 4.41% 40 $299,335 $532,037 $835,581 3.20% 4.62%

IRR

Mutual Trust

Premium = $6,655


Foresters

Assurity

IRR

Lafayette

Premium = $7,240

Premium = $6,882

IRR

This comparison is based on Foresters Whole Life insurance rates as of November 2012 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of November 2, 2012. Premiums are calculated on a level basis, payable to age

100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends.



PlanRight

Final Expense Level ComparisonLevel Male Non-Tobacco, $10,000 Face Amount

Age Foresters Americo Assurity Baltimore ColumbianForethought

FreedomMonumental

Mutual Of Omaha

OxfordUHL

PremierUHL

DeluxeForesters

Rank

50 30.08 32.06 28.82 33.30 29.17 33.65 28.80 27.30 24.56 28.95 38.09 7

55 36.17 35.70 34.28 39.60 33.37 38.84 36.30 32.86 30.91 34.91 45.14 7

60 44.16 43.68 41.65 48.60 44.83 42.30 44.10 40.03 39.95 44.09 55.67 8

65 52.72 55.20 53.87 60.30 55.70 52.68 57.50 52.21 53.29 56.46 69.73 3

70 69.58 72.93 73.05 78.30 73.54 69.98 76.00 69.01 68.48 80.71 92.65 3

75 96.88 99.51 100.55 104.40 98.22 95.06 100.00 96.19 99.74 122.52 128.85 3

80 138.74 145.65 155.57 147.60 141.83 160.80 127.70 124.21 135.98 168.93 174.01 4

85 191.52 200.14 N/A N/A 195.54 N/A 174.40 171.49 187.77 N/A N/A 4

Sources: Individual company rate books as of November 1, 2012


Final Expense Level ComparisonLevel Female Non-Tobacco, $10,000 Face Amount

Age Foresters Americo Assurity Baltimore ColumbianForethought

FreedomMonumental

Mutual Of Omaha

OxfordUHL

PremierUHL

DeluxeForesters

Rank

50 23.10 24.56 25.48 27.90 24.38 28.46 24.40 23.11 20.59 23.23 31.95 2

55 28.40 27.73 29.37 32.40 28.44 31.05 29.40 26.59 25.65 27.53 37.05 5

60 34.62 33.93 34.74 38.70 35.69 34.51 34.00 30.76 32.37 33.23 44.67 7

65 41.90 42.80 44.03 47.70 43.52 42.30 42.30 38.40 41.54 40.83 54.71 4

70 52.29 53.43 56.41 61.20 54.83 52.68 55.00 49.85 52.17 55.38 73.66 3

75 72.31 72.93 76.89 81.00 73.12 70.84 72.80 67.80 71.49 81.24 104.03 4

80 105.07 112.77 113.89 117.90 107.90 114.09 94.90 92.17 103.55 114.51 140.14 4

85 158.76 166.32 N/A N/A 149.27 N/A 129.60 127.25 152.60 N/A N/A 5

Sources: Individual company rate books as of November 1, 2012



Prepared

Sales Support


Support Center

Training Ease of Business

Advanced Marketing

PlanRight Voice

signature

A single point of contact with Foresters.

A “live” voice for all your pre-sales questions.

Assistance with illustrations, ordering materials and navigating website.

Proactive outbound calls to keep producers informed on new materials, new products & concepts.

No signed illustrations required just a completed and signed Illustration Certification Form

With Decision Express, Foresters has real-time eligibility decisions for our non-med SMART UL, Advantage Plus Whole Life, Term & PlanRight.

Mobile quoting allows you to quote on PlanRight, Lifefirst and Advantage Plus on your phone

Dedicated training section on the producer website

New Agent Webinars every 3 weeks

Product WebinarsSpecial Topic WebinarsAdvanced marketingPoint-of-Sale EligibilityIllustration support and processesReinstate-with-Redate

For large, complex, or a unique case, utilize Foresters Advanced Marketing

Foresters Advanced Marketing department offers collateral marketing pieces that provide simple, summary explanations of advanced sales strategies, educational webinars and seminars and phone support for small business and estate cases

Entire insurance application completed over the phone

Paperless process - electronic application

Point-of-Sale qualification – medical eligibility determined before the call is over

No requirement to send materials prior to call No wet Signature Required

Quick issue and pay


• Dedicated website with all the resources you need www.forestersfeb.com

– Guide to Federal Employee Group Life Insurance

– Guide to completing a Foresters application

– Product Guides

– Mobile quoting tools & FEGLI comparison tool

• Choice of two government allotment administrators

– Tower Administrative Services

– Transaction Allotment Inc.

Federal Employee Market Support

http://www.forestersfeb.com/


• On the producer website you will find:

– Ad mats

– Web pages

– Worksheets/Needs Analyses

– Pre-approach letters

– Premium reminder stickers

– Final Wishes booklet

Additional Marketing Support


Platinum Destination 2014

Interlaken, SwitzerlandMay 22–28, 2013

Producer 80,000 Destination Credits and 12 new life cases - 1 invitation (+ guest)

MGA 300,000 Destination Credits and must have a minimum of 1 downline qualifier. 1 invitation (+ guest). One additional invite (+ guest) for each 300K of Destination Credits up to maximum of 2 additional invites

IMO 400,000 Destination Credits - 1 invitation (+ guest). One additional invite (+ guest) for each 400K of Destination Credits up to maximum of 4 additional invites

Monte Carlo!


Prestige Destination 2014

Producer 50,000 – 79,999 Destination Credits and 12 new life cases - 1 invitation (+ guest)

MGA Buy-in only

IMO Buy-in only

Miami!


• Foresters records will determine qualification results and eligibility.

• Agents must be in good standing with Foresters at the time of the Destination conference.

• Attendance is available only to those who qualify and are invited by Foresters to attend.

• A guest must be accompanied by the qualifier to attend the conference.

• Individuals who, for any reason, are unable to attend, are not entitled to any other compensation, nor may the qualifier substitute in his/her stead any other person.

Eligibility

Documents

407967 US (12/12) Producer Use Only Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, Toronto,