Celebrating Excellence
Foresters Financial is thrilled to announce that A.M. Best Company has affirmed an “A” (Excellent) rating for The Independent Order of Foresters
for an incredible 24 consecutive years!
Additionally, DBRS Morningstar has confirmed our “A” Financial Strength Rating.
We are also proud to report a strong Risk-based capital ratio of 451% underscoring our financial stability and resilience.
This milestone reflects Foresters’ unwavering commitment to
excellence and financial stability.
Thank you for your trust and support – here’s to many more years of success together.
Visit Foresters.com to review our financial reports.
Revitalize your Final Expense sales with PlanRight enhancements!
Effective October 7th, Foresters is eliminating the Personal Health Interview (PHI) for PlanRight applications.
Non-med solutions
Foresters products and services are designed with everyday families in mind. Foresters “non-med” life insurance is coverage that doesn’t require a medical exam, blood tests or collection of fluids. Clients love it because it’s easy.
You’ll love it because it’s fast.
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Client-friendly |
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Quick |
What makes Foresters non-med different from other carriers?
- Term with non-med underwriting at face amounts up to $500,000, which can help clients with larger family responsibilities.
- A full suite of non-med Whole Life and Universal Life products for clients that prefer permanent coverage at face amounts up to $400,000.
Insurability depends on answers to medical and other application questions and underwriting searches and review.
Learn more about our product portfolio.
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Two Ways to Get a POS Decision:
LiveApp for Electronic Applications:
- Available for all customers age 50 - 85.
- Document delivery via email or SMS text.
- Unique one-time passcode (OTP) for each customer signature.
- POS decision generated within LiveApp.
- Clickwrap for agent signatures.
- No PHI required!
For customers who are the Proposed Insured, Owner, and Payor, with no intent to replace coverage.
LiveApp for Paper Applications:
- Complete a paper application with wet signatures.
- Log into LiveApp to start a “PlanRight Paper POS.”
- Enter Proposed Insured’s personal information and confirm medical questions.
- Generate POS decision within LiveApp.
- Record reference ID and close the application.
Ideal for customers who prefer traditional processes, want different owners/payors, or plan to replace existing coverage.
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