For Producer - PowerPoint Presentation

Slide1

For Producer

Use Only

407967 US (03/15) Slide2

This presentation cannot be used for the purpose of avoiding penalties that may be imposed on a taxpayer. Neither Foresters

TM nor its Representatives engage in rendering legal, business, estate tax, accounting or tax advice. The information in this presentation is intended as a general overview. Please advise your clients to consult their individual tax or legal advisors regarding their specific situation. This report is not intended to provide advice regarding the sale or purchase of specific investments, financial or insurance products. Treasury Department Circular 230.All information is intended to be general in nature. All Foresters fraternal requirements need to be considered including the requirement that proceeds must benefit the Foresters member or the member’s dependants.The information contained in this presentation is for information purposes only. There are other tools available 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.

Disclaimers

Foresters

TM

is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; its subsidiaries are licensed to use this mark.Slide3

Foresters

TM is an international financial services provider with a difference. We are not driven by the demands of outside investors. Instead, we are a membership-based fraternal benefits organization. We invest in our members, their families and their communities.ForestersTM is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; its subsidiaries are licensed to use this mark.Slide4

The Foresters

DifferenceSlide5

Assets of $10.5 billion CDN

1. Total liabilities $8.8 billion CDNForesters conservative investment strategy has resulted in a strong surplus of $1.7 billion CDN and the ability to withstand adverse business and market conditions.

Solvency ratios2 are beyond the local regulatory requirements and 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 14 years

3

.

1

Year ending December 31, 2013.2 Solvency ratios indicate that our ability to meet long-term obligations is above and beyond what is required.3 “A" (Excellent)1 and has been for the past 14 years. 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. In assigning our rating on July 2, 2014, A.M. Best stated that Foresters rating outlook is "stable", which means it is unlikely to change in the near future, assuming our financial strength is maintained and our operations grow.

Financial StrengthSlide6

The Foresters Difference – Playground Builds

Foresters has been in partnership with KaBOOM! since 2006 and has invested over $10 million to build playgrounds in communities across North AmericaForesters has built over 100 new playgrounds, helping more than 3 million children and familiesMembers, employees and agents volunteers work with community partners to build a playground in just one dayPlayground BuildsSlide7

Ronald McDonald House Charities

Over the past decade, 20,000 Foresters members have supported Ronald McDonald House Charities® families.Foresters has organized over 500 activities (and counting!) at local Ronald McDonald Houses across North America.Foresters supports RMHC families by hosting BBQ dinners and bingo game nights through Foresters Family Night, baking and decorating cookies through our Cookies with Care program, and assembling and donating Foresters Hygiene Kits.®

Ronald McDonald House is a registered trademark of McDonald’s Corporation or its affiliates and is used with permission.Slide8

Foresters and the American Red Cross

Foresters holds a fundamental belief in helping families plan ahead and prepare for the unexpected, while making a difference along the way. Being prepared for life’s unexpected events is important to well-being - emergency preparedness information and supplies are one way that families and communities can become better prepared and more resilient in the face of emergencies and disasters. Foresters cares about the well-being of families and the communities where they live. We’ve partnered with the American Red Cross to deliver Foresters Prepared with Care, a program that will provide valuable preparedness training and emergency kits to families in communities across America. Slide9

Emergency Assistance Grants

Short-term, temporary financial assistance

Available for Members affected by significant personal hardship, disaster or large-scale emergency

One time, per disaster, payment

2014

Emergency Assistance

Tornadoes in Oklahoma & Arkansas

April

Wildfires in Northwest Washington

July

Earthquake

in Napa Valley, CA

AugustSlide10

Member Benefits

ScholarshipsTerminal Illness LoansOrphan Benefits

EverydayMoney & Legal Link

Interest-free loan of up to 75% of the net face amount of a clients Foresters life insurance coverage, up to a maximum of $250,000

1

Orphan Scholarship

One parent: $1,500/yr

Single parent: $3,000/yr

Both parents: $6,000/yrRenewable for up to 4 yearsCompetitive Scholarship$2,000 per year for up to 4 years

$900 per month per child under 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,

whichever is earliest

.

Toll-free, phone-based financial helpline.

Accredited counselors can help with everyday money issues,

such as budgets and debt.

Legal Link offers members access to free and discounted legal services in their area, for help with a variety of issues including wills, home ownership and family law.

Emergency grants may be available to provide short-term, temporary financial assistance to members

affected by significant personal hardship, disaster or large-scale emergency.

1 Not available as a member benefit in Illinois, New York or on Accidental Death products.

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.

Emergency

AssistanceSlide11

Member Benefits - Scholarships

Suppose two parents with three small children (turning ages 1, 3,and 5) pass awayForesters would pay death benefitsForesters would also pay the Orphan Benefit to the legal guardian of the orphaned childrenMember BenefitBenefit Amount

Orphan Benefits

Up to $486,000

Orphan Scholarship

Up

to

$72,000

Total Benefits

Up

to

$558,000

Foresters members include

the

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. Slide12

Community Granting Program

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. Community Involvement grants (CI)CI grants program provides members with financial grants to organize volunteer and fun family activities within their communities such as cleaning up a park, or assembling hygiene kits for the homeless or gift packs for disadvantaged children.Member Involvement (MI) grants  MI grants provide members with the funds to create fun family activities such as a day at an amusement park or sporting event, or an evening at the movies.Slide13

Foresters offers a comprehensive portfolio of productsSlide14

Lifefirst Level Term Life

Advantage Plus Whole LifeSMART Universal LifeYour Legacy Single Premium Whole LifeProduct PortfolioNon-Medical*up to $250,000

Medically Underwritten

Lifefirst Level Term Life

Advantage Plus Whole Life

SMART Universal Life

*Insurability depends on the answers to a few medical and lifestyle questions and an underwriting review, based on underwriting requirements and guidelines.

PlanRight Whole Life

Prepared Accident Only

NicheSlide15

Foresters Product Portfolio fits a range of target markets

Lifefirst TermSMART Universal LifeAdvantage Plus Whole Life

Ages 18-56+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

Non-Medical or Medically Underwritten plans

Your Legacy

Ages 0-85

Juvenile coverage available on ages 0-15

Ideal for estate creation and protection

Builds guaranteed and non-guaranteed values

Potential for dividends

Non-MedicalSlide16

Foresters Product Portfolio fits a range of target markets

PlanRight Whole LifeAges 50-85Lower income marketLooking 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 underwritingAges 18 to 60

Americans looking for financial protection from premature death as a result of an accidentClients who don’t want to go through the hassles of underwriting or do not qualify for traditional (all causes) life insurance

Prepared Accidental Death

Available on all

products (except

PlanRight

and Prepared) at

no additional premium:Accelerated Death Benefit Rider1If the insured is diagnosed with an eligible illness, ABR offers the owner an opportunity to accelerate a portion of the eligible death benefit and receive an accelerated death benefit payment. This rider can be issued with one or more of the eligible illnesses - Critical Illness, Chronic Illness or Terminal Illness. 1 ABR not available in CA, CT, NYSlide17

Lifefirst TermSlide18

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

Age 40MaleStd NT

RankingMale

Std

T

Ranking

Female

Std NTRanking

Female

Std

T

Ranking

Foresters Lifefirst

$32.56

4

$65.54

6

$30.81

6

$59.16

4

AG Ultra Mortgage Complete

$28.96

3

$60.03

3

$28.96

4

$60.03

5

ANICO

Signature Term Express

$19.35

1

$47.43

1

$17.37

1

$36.81

1

American-Amicable Easy Term

$36.47

9

$77.83

10

$31.58

7

$64.58

10

Americo Simplified Issue 100 Term

$38.00

10

$66.50

7

$38.00

12

$66.50

11

Assurity Non Med Term 350

$35.38

8

$70.40

8

$27.37

3

$54.30

3

Columbian SafeShield SI Term

$34.54

5

$64.03

4$34.5410$64.038Fidelity Rapid Decision Express$35.327$75.349$30.025$61.257Pacific Life PRIME Term $26.592$51.592$22.842$41.922Transamerica Trendsetter Express$41.8312$77.9611$35.6111$64.409United Home Life Express Issue Term$38.8711$87.9812$33.118$72.2612United of Omaha – Term Life Express$34.896$64.085$33.118$60.436

Source:

Americo

Simplified Issue

100/125

client brochure

v02/12; Columbian rate calculator

Cited

with permission of Compulife® (as of

Jun 10,

2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide19

Lifefirst Term - Non-Medical 25-year Term - $100,000

Age 40MaleStd NT

RankingMale

Std

T

Ranking

Female

Std NTRanking

Female

Std

T

Ranking

Foresters Lifefirst

$42.71

1

$81.99

2

$35.44

1

$67.56

1

Americo Simplified Issue 100 Term

$47.97

3

$80.75

1

$47.97

3

$80.75

3

Transamerica Trendsetter Express

$46.46

2

$100.54

3

$38.50

2

$77.26

2

Source:

Americo

Simplified Issue

100/125

client brochure

v02/12

Cited

with permission of Compulife® (as of

Jun. 10

, 2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide20

Lifefirst Term - Non-Medical 30-year Term - $100,000

Age 40MaleStd NT

RankingMale

Std

T

Ranking

Female

Std NTRanking

Female

Std

T

Ranking

Foresters Lifefirst

$48.74

6

$98.44

8

$40.61

4

$75.96

5

American general Ultra Mortgage Complete

$38.59

2

$75.08

2

$38.59

3

$75.08

4

ANICO

Signature Term Express

$28.94

1

$73.61

1

$23.24

1

$53.74

1

American-Amicable Easy Term

$58.28

10

$108.95

10

$44.47

7

$78.49

6

Americo Simplified Issue 100 Term

$49.49

8

$91.58

6

$49.49

11

$91.58

12

Assurity Non Med Term 350

$49.10

7

$93.19

7

$35.82

2

$69.87

3

Columbian

SafeShield

SI Term

$45.41

5$89.095$45.419$89.0911Fidelity Rapid Decision Express$60.6412$108.409$45.6710$80.567Pacific Life PRIME Term$42.093$82.593$55.5912$65.422Transamerica Trendsetter Express$51.629$113.2211$43.056$88.9010United Home Life Express Issue Term$60.1711$115.3212$45.388$82.128United of Omaha – Term Life Express$45.304$88.294$42.455$83.229Source: Americo Simplified Issue 100/125 client brochure

v02/12; Columbian rate calculator

Cited

with permission of Compulife® (as of

Jun 10

, 2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide21

Lifefirst Term – Medical 10-year Term - $400,000

Age 40MalePrefNT

RankingMale

Std

T

Ranking

Female

PrefNTRanking

Female

Std

T

Ranking

Foresters Lifefirst

$27.83

10

$121.28

12

$23.63

9

$96.08

12

AIG Select-a-Term

$25.55

8

$107.80

10

$22.75

8

$79.10

6

ANICO Signature

Term

$23.16

4

$96.08

4

$20.74

4

$75.69

3

Assurity Term 350

Plus

$41.36

12

$99.09

6

$33.62

12

$79.38

7

Baltimore Life Secure Solutions

Term

$44.10

14

$120.05

11

$37.10

14

$94.15

11

Banner OPTerm

$23.10

3

$95.55

2

$19.25

1

$72.45

2

Genworth

Colony

Term$21.882$102.388$20.133$79.988Lincoln National LifeElement (SM) Level Term$34.7111$144.0014$29.7311$103.0613North American ADDvantage$24.596$101.597$22.146$80.949Pacific Life PRIME Term$21.761$85.091$19.762$65.091Pruco Life Term Elite 10$41.8513$130.0513$34.2913$103.7714(Reliastar) ING TermSmart $25.819$97.56

3

$24.41

10

$78.31

5

Transamerica Trendsetter

Super

$25.38

7$98.185$22.587$77.184United of Omaha Term Life Answers$24.025$107.229$20.875$86.3210

Source:

Cited

with permission of Compulife® (as of

Jun 10

, 2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide22

Lifefirst

Term – Medical 20-year Term - $400,000Age 40MalePrefNT

Ranking

Male

Std

T

Ranking

Female PrefNTRanking

Female

Std

T

Ranking

Foresters

Lifefirst

$39.38

9

$176.23

11

$33.43

8

$144.73

13

AIG Select-a-Term

$33.60

2

$

157.50

7

$29.05

1

$111.30

5

ANICO Signature

Term

$35.94

5

$151.72

4

$30.76

5

$110.25

3

Assurity

Term 350

Plus

$57.55

14

$161.39

9

$45.58

13

$117.39

8

Baltimore Life Secure Solutions

Term

$54.95

13

$

180.60

13

$46.20

14

$

143.85

12

Banner OPTerm

$

35.00

4

$

145.253$29.051$110.954Genworth Colony Term$34.483$158.388$29.934$114.987Lincoln National LifeElement (SM) Level Term$50.0211$197.4014$44.6812$149.3414North American ADDvantage$42.4410$156.896$36.8410$125.0410Pacific Life PRIME Term$33.091$142.422$29.093$102.761Pruco Life Term Elite$51.9312$179.7312$42.5711$134.3711(Reliastar) ING TermSmart$36.666$154.965$34.219$114.016Transamerica Trendsetter Super

$

37.28

7

$

139.48

1

$

31.68

6$106.232United of Omaha Term Life Answers$37.328$164.0210$32.427$122.729Source: Cited with permission of Compulife® (as of Jun 10, 2014). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide23

Lifefirst Term – Medical 25-year Term - $400,000

Age 40MalePrefNT

RankingMale

Std

T

Ranking

Female

PrefNTRanking

Female

Std

T

Ranking

Foresters

Lifefirst

$54.43

3

$231.53

3

$44.28

3

$174.83

3

AIG Select-a-Term

$49.70

1

$206.50

1

$39.20

1

$152.60

1

Transamerica Trendsetter Super

$54.08

2

$208.43

2

$42.53

2

$154.53

2

Source:

Cited

with permission of Compulife® (as of

Jun. 10

, 2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide24

Lifefirst Term – Medical 30-year Term - $400,000

Age 40MalePrefNT

RankingMale

Std

T

Ranking

Female

PrefNTRanking

Female

Std

T

Ranking

Foresters

Lifefirst

$69.13

8

$286.83

10

$55.13

8

$205.28

9

AIG Select-a-Term

$58.10

4

$

258.30

7

$47.95

4

$

204.05

8

ANICO Signature

Term

$56.33

2

$245.38

4

$44.24

2

$175.91

4

Assurity

Term 350

Plus

$97.33

12

$243.76

3

$66.35

12

$164.21

1

Baltimore Life Secure Solutions

Term

$78.75

10

$270.20

9

$62.30

10

$

210.00

11

Banner OPTerm

$57.05

3

$

226.451$45.153$167.652Lincoln National LifeElement (SM) Level Term$88.4711$362.5912$62.4811$271.4512North American ADDvantage$63.447$248.245$52.947$179.295Pacific Life PRIME Term$52.421$252.426$42.421$182.756Pruco Life Term Elite$69.579$293.1311$56.979$209.9710Transamerica Trendsetter Super$60.035$239.932$50.936$173.423United of Omaha Term Life Answers$60.776$259.228$48.175$186.077Source:

Cited

with permission of Compulife® (as of

Jun

10, 2014).

Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.Slide25

SMART

Universal LifeSlide26

Smart UL-Non Medical

Male 45 yrs old standard non smoker, $100,000 face amount, $1,700 Annual Premium Current Interest RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

ANICO

Executive UL

4.10% Yrs 1-10 & 4.6% after 10 years4,33912,92737,69266,624115,112

1,400

10 Years

1,120

American Amicable

Easy UL

3.00

%

5,906

15,271

35,706

54,427

66,278

1,195

15 Years

919

Americo

Life Crest

UL SI

4.00%

4,773

13,776

34,862

56,369

79,798

873

15 Years

873

Foresters

Smart UL

5.85

%

3,914

12,330

37,659

78,059

154,253

1,288

10 Years

924

Smart UL Rank

1

4

4

2

1

1

Sources: Individual company software as of

June 20, 2014

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 OnlySlide27

Smart UL-Non Medical

Male 55 yrs old standard non smoker, $100,000 face amount, $2,600 Annual Premium Current Interest RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

ANICO

Executive

UL SI4.10% Yrs 1-10 & 4.6% after 10 years6,41418,27950,24288,395

163,514

2,100

10 Years

1,600

American Amicable

Easy UL

3.00

%

8,601

21,611

47,721

66,212

55,638

2,127

15 Years

1,636

Americo

LifeCrest

UL SI

4.00%

6,730

18,504

45,745

71,709

117,045

1,554

15 Years

1,554

Foresters

Smart UL

5.85

%

6,920

20,043

56,997

124,055

237,748

2,130

10 Years

1,534

Smart UL Rank

1

2

2

1

1

1

Sources: Individual company software as of

June 20, 2014

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 OnlySlide28

Smart UL-Non Medical

Female 45 yrs old standard non smoker, $100,000 face amount, $1,200 Annual Premium Current Interest RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

ANICO

Executive UL

4.10% Yrs 1-10 & 4.6% after 10 years2,2727,86624,13340,33655,093

1,176

10 Years

941

American Amicable

Easy UL

3.00

%

3,579

10,029

33,457

24,908

16,406

997

15 Years

767

Americo

Life Crest

UL SI

4.00%

2,557

8,401

21,277

24,747

25,640

1,168

15 Years

729

Foresters

Smart UL

5.85

%

1,965

7,516

23,809

45,447

73,711

974

10 Years

830

Smart UL Rank

1

4

4

3

1

1

Sources: Individual company software as of

June 20, 2014 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 OnlySlide29

Smart UL-Non Medical

Female 55 yrs old standard non smoker, $100,000 face amount, $2,000 Annual Premium Current Interest RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

ANICO

Executive

UL SI4.10% Yrs 1-10 & 4.6% after 10 years4,18112,97536,88959,51685,945

1,800

10 Years

1,440

American Amicable

Easy UL

3.00

%

6,195

16,324

37,455

24,334

47,792

1,723

15 Years

1,325

Americo

LifeCrest

UL SI

4.00%

4,333

13,047

33,157

47,808

27,632

1,297

15 Years

1,297

Foresters

Smart UL

5.85

%

4,479

13,907

41,206

79,238

155,924

1,704

10 Years

1,435

Smart UL Rank

1

2

2

1

1

1

Sources:

Individual company software as of June 20, 2014 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 OnlySlide30

Smart UL-Medical

Male 45 yrs old standard non smoker, $250,000 face amount, $4,000 Annual Premium Current Interest RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

Americo

LifeCrest

UL4.00%10,71531,24387,681

146,222

221,787

3,808

20 Years

1,489

American General

Elite UL

3.20%

8,568

30,212

81,134

136,727

202,957

2,673

10 Years

1,440

ING

UL_CV

4.50%

8,371

30,184

83,371

161,784

292,247

4,500

N/A

N/A

Life of the SW

Horizon UL

5.75%

9,351

30,144

89,728

186,060

365,286

4,245

15 Years

2,442

John

Hancock

Accumulation UL

4.55%

10,584

29,435

82,805

163,531

264,178

3,607

5 Years

1,918

Mutual Of Omaha

Accumulation UL

Plus

3.15%

10,925

33,741

86,323

148,113

232,393

2,477

10

Years

1,290

Mutual Of Omaha

Accumulation UL Answers4.00%12,68737,29287,874156,551245,1553,1305 Years745ForestersSmart UL 5.85%10,50533,057102,733218,469429,9612,99110 Years2,080 Smart UL Rank153111 Sources: Individual company software as of June 20, 2014 for National Life and August 18, 2014 for all others. 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 OnlySlide31

Smart UL-Medical

Female 45 yrs old standard non smoker, $250,000 face amount, $3,000 Annual Premium Current Int RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

Americo

LifeCrest

UL4.00%6,74021,26563,733

105,646

138,361

2,938

20 Years

1,123

American General

Elite UL

3.20%

4,620

21,172

58,168

96,886

133,867

2,188

10 Years

1,230

ING

UL_CV

4.50%

5,252

20,986

57,386

109,557

183,597

3,750

N/A

N/A

Life of the SW

Horizon UL

5.75%

5,373

19,616

60,499

121,093

218,305

3,605

15 Years

2,142

John

Hancock

Accumulation UL

4.55%

7,699

20,801

53,669

96,046

141,892

3,023

5 Years

1,550

Mutual Of Omaha

Accumulation UL

Plus

3.15%

7,095

24,125

60,703

99,408

136,051

2,080

10 Years

1110

Mutual Of Omaha

Accumulation UL

Answers4.00%8,32627,10561,475133,948242,3982,7255 Years617ForestersSmart UL 5.85%6,70623,38273,864150,601286,4252,96110 Years1,844 Smart UL Rank153111 Sources: Individual company software as of June 20, 2014 for National Life and August 18, 2014 for all others. 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 OnlySlide32

Smart UL-Medical

Male 55 yrs old standard non smoker, $250,000 face amount, $6,500 Annual Premium Current Int RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

Americo

LifeCrest

UL4.00%16,93846,260122,697

128,629

357,733

5,988

20 Years

3,446

American General

Elite UL

3.20%

13,827

47,053

121,142

206,538

320,738

4,670

10 Years

2,640

ING

UL_CV

4.50%

15,543

51,209

135,076

273,056

500,542

6,668

N/A

N/A

Life of the SW

Horizon UL

5.75%

14,593

44,553

130,445

299,112

566,087

7,510

15 Years

4,092

John

Hancock

Accumulation

UL

4.55%

16,928

45,516

117,499

177,069

332,376

5,384

5

Years

3,280

Mutual Of Omaha

Accumulation UL

Plus

3.15%

19,531

55,371

128,087

224,629

402,111

4,620

10 Years

2340

Mutual Of OmahaAccumulation UL Answers4.00%19,18953,578122,586220,776315,9765,2905 Years1,740ForestersSmart UL 5.85%20,25258,142171,086377,153711,9364,44610 Years3,587 Smart UL Rank111111 Sources: Individual company software as of June 20, 2014 for National Life and August 18, 2014 for all others. 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 OnlySlide33

Smart UL-Medical

Female 55 yrs old standard non smoker, $250,000 face amount, $5,000 Annual Premium Current Int RateCSV at year 5CSV at year 10

CSV at year 20CSV at year 30CSV at year 40

Target Premium

Secondary Guarantee

Secondary Guarantee Premium

Americo

LifeCrest

UL4.00%11,34834,83197,791

153,017

216,490

4,488

20 Years

2,323

American General

Elite UL

3.20%

8,718

33,767

87,358

141,625

208,103

3,700

10 Years

2,160

ING

UL_CV

4.50%

10,898

37,941

98,649

186,300

343,570

5,335

N/A

N/A

Life of the SW

Horizon UL

5.75%

9,073

30,783

90,694

177,734

349,428

6,383

15 Years

3,552

John

Hancock

Accumulation

UL

4.55%

12,274

32,862

86,453

132,162

264,040

4,495

5 Years

2,619

Mutual Of Omaha

Accumulation UL

Plus

3.15%

14,414

43,037

96,143

154,201

230,661

3,743

10 Years

1,770

Mutual Of Omaha

Accumulation UL Answers4.00%15,07243,81896,759161,919247,7034,2735 Years1,137ForestersSmart UL 5.85%13,39240,655122,625258,088501,4323,55610 Years2,874 Smart UL Rank133111 Sources: Individual company software as of June 20, 2014 for National Life and August 18, 2014 for all others. 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 OnlySlide34

Advantage Plus Participating Whole LifeSlide35

Advantage Plus Non-Medical

This comparison is based on rates as of June 20, 2014. 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. Slide36

Advantage Plus Non-Medical

This comparison is based on rates as of June 20, 2014. 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. Slide37

Advantage Plus Medical

This comparison is based on Foresters Advantage Plus Whole Life , LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software insurance rates as of Jun 20, 2014 and rates from Lafayette Contender 100 as of October 15, 2013 as we have no access to new information. 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. Slide38

Advantage Plus Medical

This comparison is based on Foresters Advantage Plus Whole Life , LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software insurance rates as of Jun 20, 2014 and rates from Lafayette Contender 100 as of October 15, 2013 as we have no access to new information. 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. Slide39

Your Legacy Single Premium Whole Life

*Baltimore Life is a Non-Participating ProductComparison created for producer use only-Cannot be used to promote sales to clientsNot for public use or distribution-Based on information as of July 29, 2014.Information should be validated by carriersSlide40

Your Legacy Single Premium Whole Life

*Baltimore Life is a Non-Participating ProductComparison created for producer use only-Cannot be used to promote sales to clientsNot for public use or distribution-Based on information as of July 29, 2014.Information should be validated by carriersSlide41

Your Legacy Single Premium Whole Life

*Baltimore Life is a Non-Participating ProductComparison created for producer use only-Cannot be used to promote sales to clientsNot for public use or distribution-Based on information as of July 29, 2014.Information should be validated by carriersSlide42

Your Legacy Single Premium Whole Life

*Baltimore Life is a Non-Participating ProductComparison created for producer use only-Cannot be used to promote sales to clientsNot for public use or distribution-Based on information as of July 29, 2014.Information should be validated by carriersSlide43

PlanRight

Whole LifeSlide44

Final Expense Level Comparison

Sources: Individual company rate books as of June 20, 2014AgeForestersAmicable Senior ChoiceAmerico Ultra Protector

Americo Eagle PremierAssurity

Baltimore

Columbian

Lafayette

Madison National

Monumental/ Transamerica

Solutions PreferredMutual Of OmahaOxfordRNAUnited Home Life PremierUnited Home Life DeluxeForesters Rank5030.08

31.64

32.06

36.30

28.82

33.30

32.01

26.46

33.30

30.65

29.16

24.56

37.91

28.95

38.09

6

55

36.17

40.03

35.70

40.49

34.28

39.60

36.68

31.41

41.40

35.93

35.09

30.91

44.21

34.91

45.14

7

60

44.16

47.05

43.68

49.67

41.65

48.60

49.40

37.83

49.50

43.73

42.76

39.95

47.81

44.09

55.67

8

65

52.72

59.74

55.20

62.92

53.87

60.30

60.21

49.06

62.10

56.46

55.76

53.29

56.11

56.46

69.7327069.5878.7972.9383.3173.0578.3081.3063.4478.3074.5973.7068.4871.3180.7192.6537596.88108.0199.51113.87100.55104.40108.7182.49108.9099.9699.5399.74105.31122.52128.85280138.74155.82145.65166.93155.57147.60157.16123.32150.30140.15132.65135.98146.61168.93174.01485191.52221.31200.14229.59N/AN/A216.82173.22225.00200.36183.15187.77202.71N/AN/A4Male, Level, Non-Tobacco, $10,000 Face AmountSlide45

Final Expense Level Comparison

AgeForestersAmicable Senior ChoiceAmerico Ultra ProtectorAmerico Eagle Premier

AssurityBaltimoreColumbian

Lafayette

Madison National

Monumental/ Transamerica

Solutions Preferred

Mutual Of Omaha

OxfordRNAUnited Home Life PremierUnited Home Life DeluxeForesters Rank5023.1026.6724.56

27.67

25.48

27.90

25.28

21.62

29.70

25.25

24.67

20.59

32.21

23.23

31.95

3

55

28.40

50.00

27.73

31.32

29.37

32.40

29.51

25.96

35.10

29.12

28.40

25.65

35.91

27.53

37.05

6

60

34.62

38.26

33.93

38.46

34.74

38.70

37.07

29.43

41.40

33.65

32.87

32.37

36.51

33.23

44.67

7

65

41.90

47.05

42.80

48.65

44.03

47.70

44.32

38.10

51.30

41.55

41.01

41.54

42.61

40.83

54.71

6

7052.2960.3753.4360.8856.4161.2057.0450.2461.2053.9253.2452.1753.1155.3873.6637572.3181.7372.9383.3176.8981.0076.1168.4484.6072.8272.4171.4976.1181.24104.03380105.07113.68112.77129.12113.89117.90112.3995.37117.90104.0498.43103.55105.31114.51140.14585158.76166.02166.32190.69N/AN/A155.53135.35169.20148.55135.90152.60141.81N/AN/A6Female, Level, Non-Tobacco, $10,000 Face AmountSources: Individual company rate books as of June 20, 2014Slide46

PreparedSlide47

Sales Support

Sales Support Phone LineTrainingEase of Business

Advanced Marketing

PlanRight Voice signature

A single point of contact with Foresters.

Open Mon – Fri 8:30am – 7:00pm ET

Assistance with sales ideas and solutions, product training, illustration software, ordering materials and navigating website.

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

No signed illustrations required, just a completed and signed Illustration Certification FormReal-time eligibility decisions for our non-med SMART UL, Advantage Plus Whole Life, Term, PlanRight and Your Legacy through

Decision Express

Mobile Quotes allow you to quote on all products from your Smartphone or Tablet.

Foresters Biz Mobile App allows you to check your inforce business and outstanding requirements

Dedicated training section on the producer website

New Agent Webinars every month

Product Webinars

Special Topic Webinars:

Advanced marketing such as small business planning and Federal Employee Benefits

Member benefits

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

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 paySlide48

On the producer website you’ll find:

Ad matsWorksheets/Needs AnalysesPre-approach lettersPremium reminder stickersFinal Wishes bookletAdditional Marketing SupportSlide49

Foresters Convention 2016

Interlaken, SwitzerlandMay 22–28, 2013Producer80,000 Convention Credits and 12 new life cases.

MGA300,000 Convention Credits and must have a minimum of 1 downline qualifier.

IMO

400,000 Convention Credits.

Maui, Hawaii: April 5-9, 2016Slide50

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 a 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 with any other person.Convention 2016 EligibilitySlide51