Agenda Who is Foresters TM Foresters Advantages Product line-up Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a

Agenda

• Who is ForestersTM

• Foresters Advantages

• Product line-up

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.

407967 US (08/12) Producer Use Only

I wanta special insurance carrier

Who is Foresters

• Financial strength

• Fraternal nature

• Community involvement


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

Foresters continues to maintain its strong financial position.

•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 requirements and above industry averages in all three countries of business.

Ratings and figures current as of Dec. 31, 2011

Financial Strength


• 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

A Difference Maker


• 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.

A Difference Maker


503349 US (10/11)

Proof Points


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.

Playground Builds


Recent disaster relief granted by Foresters:

• Seattle Flooding – January/09

• 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

Emergency Assistance


• Illustration Requirements Process

• Point-of-Sale (POS) Eligibility

• Benefits of Membership

• Training Support

• Foresters Sales Support

• Producer Convention

Foresters Advantages


• Foresters illustration process allows your producers to get paid faster on our illustrated products.

• If there are no certificate delivery requirements, other than obtaining a signed illustration, Foresters will now release compensation on certificates that are mailed direct to the client, provided that the prospective Owner has completed and signed an Illustration Certification Form (form 101274 US 05/11 or the applicable state variation).

• Not available in New York state (must produce signed illustration with application submission)

Illustration Requirements


• How it works:

– Once the certificate is issued, the Certificate Issue Package will include:

>The illustration of the issued certificate

>An additional copy of the numeric summary page

>A postage-paid, self-addressed return envelope

>Instructions to the Owner



How it works:

• The instructions will ask the certificate owner to review the illustration, sign the additional copy of the numeric summary page and return it to Foresters in the enclosed envelope.

• The producer’s signature is not required on the illustration using this method of delivery and compensation can be released once the certificate is mailed to the Owner.



• Access Foresters quotes for Lifefirst, Advantage Plus Whole Life and PlanRight products – right from your mobile phone.

• There is no "app" to download. You simply go to a regular website from your mobile browser, using any type of smart phone, whether it's an iPhone®, Blackberry®, iPad®, or Android® device.

• To access the new mobile quoting site, just point your browser to www.forestersquotes.com.

Mobile Quoting


http://www.elabs5.com/c.html?rtr=on&s=jayss,al0n,pnj,mdrd,bak8,9tzf,hj1u

• Point of sale underwriting eligibility available on all non-med products

• Producers potentially get paid faster!

• Imagine a sale where the application process is easy and painless!

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

Decision Express


It's so easy.

– Complete the application in full in your client's home

– While in your client's home, call Apptical at 866 844 9276 and follow the simple 15- to 20-minute process to determine your client's medical eligibility

– Send in the application (regardless of the decision) and all other applicable forms to Foresters

Decision Express


It's so easy.

– If approved, we'll issue the certificate in as little as four business days for SMART UL, Whole Life and Term and two days for PlanRight

– Your producers get paid when we mail the certificate to your client

– Apptical provides fast, reliable service 7 days a week

> Monday to Friday, 8:30 am to Midnight (ET)

> Saturday and Sunday, 10:00 am to 4:00 pm (ET)

Decision Express


Member Benefits

Benefits available to all eligible insureds, as Foresters members:

• Competitive Scholarships

• Terminal Illness Loan

• Orphan Benefits

• Everyday Money

• Legal Link

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.


• Not available in NY & IL or on accidental death products

• Interest-free loan

– 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

Terminal Illness Loan


• Orphan monthly payment

– $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

Orphan Benefit


• Orphan Scholarship member benefit

– One parent - $1,500/year

– Single parent - $3,000/year

– Both parents - $6,000/year

– Renewable for up to 4 years

• Competitive Scholarship member benefit

– Up to 350 scholarships each year across North America

– $2,000 per year for up to 4 years

Foresters Scholarships


Member Benefits For Helping Generations

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.


• Toll-free and confidential phone-based financial helpline.

• This service may help reduce the stress involved with financial decision-making.

• This benefit is 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.

Everyday Money


• 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.

Legal Link


Prospecting Brochure


• Dedicated training section on the producer website

• New Agent Webinars – every 3 weeks

• Product Webinars

• Special Topic Webinars

– Advanced marketing

– Point-of-Sale Eligibility

– Illustration support and processes

– Reinstate-with-Redate

Comprehensive Training


• Do you have producers who are ready to expand into Advanced Markets?

• When you've got large, complex, or a unique case, call Foresters Advanced Marketing, we're here to help.

• 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 complex and large cases.

Advanced Marketing


Advanced Marketing


Foresters Sales Support


• A single point of contact with Foresters.

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

• Assistance with running illustrations, ordering materials and navigating our website.

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

What does this mean to you?


• To deliver personalized service and sales support.

• Dedicated internal wholesalers that provide agents with a prompt, accurate and efficient experience.

• Strive for one-call resolution on all pre-sales needs.

Team support


1-866-466-7166 –Option 1Monday to Friday-8:30 am-7pm EST

Setting the standard in Sales Support!

Answering the call


Minimum Qualifications

Producer 78,000 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

Destination 2013 – subject to eligibility requirements

Interlaken, SwitzerlandMay 22–28, 2013


VIP Pre-Trip Bonus - Lake ComoTop qualifiers will be eligible for a 3 day package at Lake Como prior to the main Destination 2013 trip.

Destination 2013 – subject to eligibility requirements

Producer 8 qualifiers

MGA 1 qualifier

IMO 3 qualifiers


I wanta competitive portfolio of products

• Non-med market– Lifefirst Level Term life– Advantage Plus Par Whole Life– SMART Universal Life

• Fully-Underwritten market– Lifefirst Level Term Life– Advantage Plus Whole Life

• Final Expense planning– PlanRight Whole Life Insurance

• Niche markets– Accidental Death Term Insurance

Product Portfolio


Non-med limits

Ages LifefirstMaximum

SMART ULAdvantage PlusMaximum

0-15 $0 $150,000

15-18 $0 $250,000

19-50 $250,000 $250,000

51-55 $200,000 $250,000

56+ $150,000 $150,000


Foresters Advantage Plus Whole Life

Advantage Plus Whole Life

A participating whole life product which will provide for lifetime death benefit protection (up to age 121), guaranteed cash values and

lifetime guaranteed premium*

*Exception-Disability income coverage



• 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




• Lifetime protection (to age 121)

• Guaranteed cash values

• Guaranteed lifetime premium* (to age 100)

• Customized coverage with valuable riders



Advantage Plus Whole Life Non-Medical Features

• No blood

• No HOS

• No APS

• Optional Decision Express phone interview

• MIB

• Prescription History

Build Tables

5’6” 259 lbs

5’7” 265 lbs

5’8” 274 lbs

5’9” 281 lbs

5’10” 292 lbs

5’11” 298 lbs



Insurance ClassesJuvenileTobaccoNon-Tobacco

Issue Ages & Face Amounts (age nearest)

0-15: $25,000 - $150,00016-55: $25,000 - $250,00056-70: $25,000 - $150,000

Underwriting Issued Standard up to and including Table 4

Decision Express Optional Point-of-Sale Underwriting Decisions



Protection BenefitsFamily Health Benefit Rider

Common Carrier Accidental Death Benefit Rider

Living BenefitsDisability Income Rider (Accident Only)

Waiver of Premium Rider

Extended Protection

Children’s Term Rider

Accidental Death Rider

Guaranteed Insurability Rider

Additional Protection10-Year Term Rider

20-Year Term Rider

Subject to state availability.407967 US (08/12) Producer Use Only

Advantage Plus Whole Life Medically Underwritten Features

Issue Ages & Face Amounts (age nearest)

Band 10-15: $150,001 - $499,99916-55: $250,001 - $499,99956-70: $150,001 - $499,99971-85: $25,000 - $499,99976-85: $100,000 - $499,999 (Preferred & Preferred Plus Classes)

Band 2$500,000 and up



Insurance Classes

Juvenile

Non-TobaccoNon-TobaccoNon-Tobacco PlusPreferred Non-TobaccoPreferred Plus Non-Tobacco

TobaccoTobaccoTobacco Plus



Protection BenefitsFamily Health Benefit Rider

Common Carrier Accidental Death Benefit Rider

Living BenefitsDisability Income Rider (Accident Only)

Waiver of Premium Rider

Extended Protection

Children’s Term Rider

Accidental Death Rider

Guaranteed Insurability Rider

Additional Protection

10-Year Term Rider

20-Year Term Rider

Paid-up Additions Rider

Subject to state availability.407967 US (08/12) Producer Use Only

Advantage Plus Whole Life Premiums and Payment Options

Premium Modes

Monthly: $25.00 minimum (PAC only)Quarterly: $75.00 minimumSemi-Annually: $150.00 minimumAnnual: $300.00 minimum

Certificate Fee (fully commissionable)

Monthly: $6.30Quarterly: $18.72Semi-Annual: $36.72Annual: $72.00

Payment Options20 payPay to 100


Advantage Plus Whole Life Loans & Dividend Options

Loans (non-direct recognition)

Available up to cash surrender value at the end of the current certificate yearCurrent US variable loan rates (currently 5.0%)*

Contractual Dividends

Paid-up Additions (default)On deposit with interest (minimum 3.5% guarantee)Reduce PremiumsPaid in Cash

*Loan rates are variable. Loan rates current as of July 18th, 2012.


Additional Protection

Paid-Up Additions Rider

Contents:

Paid-Up Additions Rider Basics

Underwriting & Face Amounts

Payment Structure

Changes

Advantage Plus Whole Life Paid-up Additions Rider – Basic Rider Information

BenefitPurchase paid-up additional life insurance that endows at age 121

Issue Ages (age nearest) 18-70

Rider Effective Date

Flexible Payments: certificate anniversary of the base certificate

Single Payments: based on a monthly anniversary of the base certificate

Basis of Computation2001 CSO Ultimate Mortality Table at 4% interest

Loads/Fees 6% on every payment

Subject to state availability and variations.


Advantage Plus Whole Life Paid-up Additions Rider – Basic Rider Information

Rider OptionsFlexible PaymentsSingle Payments

Rider DividendMatches Advantage Plus dividend option

Automatic Premium Loan/Reduced Paid Up

If Advantage Plus on APL, the rider is terminated

Withdrawing Paid-Up AdditionsMay be partially surrendered or in full

On Waiver or DisabilityPUA purchases allowedPayments not waived


Advantage Plus Whole Life Paid-up Additions Rider – Underwriting/Face Amounts

Insurance Classes(not available on sub-standard)

TobaccoNon-Tobacco

Sub-Standard Classes Not available

Minimum Insurance Coverage for Base Certificate plus term 10yr or 20yr rider

$250,001 (issue ages 18-55)$150,001 (issue ages 56-70)

Maximum Insurance Coverage Subject to underwriting rules


Advantage Plus Whole Life Paid-up Additions Rider – Underwriting/Face Amounts

Underwriting Age & Amount Tables

Age at Rider Effective Date (ANB)

Flexible PUA Factor Single PUA Factor

18-35 15.0 6.0

36-50 10.0 3.0

51-70 5.0 2.0


Advantage Plus Whole Life Paid-up Additions Rider – Payments

Payment TypesSingle PaymentFlexible Payment

Flexible Payment Termination Date/Period

Payments made until the earlier of certificate anniversary nearest age 80 or 25 certificate years after rider effective date

Flexible Payment Rider Minimum Billing Payments

Monthly: $50Quarterly: $150Semi-Annual: $300Annual: $600

Single Payment Rider Minimum Payments

$600


Advantage Plus Whole Life Paid-up Additions Rider - Payments

Maximum Lifetime Payments (contractual)

$1 million per insured

Maximum Annual Payments (contractual)

Underwritten approved maximum annual payment

Maximum Annual Payments (non-contractual)

$100,000 per insured


Advantage Plus Whole Life Paid-Up Additions Rider - Payments

Number of Single Payment Riders Unlimited

Payment Modes

MonthlyQuarterlySemi-AnnualAnnual

1035 ExchangesAllowed (Single Payment Rider Only)


Advantage Plus Whole Life Paid-Up Additions Rider – Changes*

Adding Rider Allowed after issue

Increasing RiderIncreasing payment amount not allowed

Insurance Class Changes Allowed

*Based on administrative rules and requirement at time of request, subject to change.


Male, 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 $4,100 $75,856 -14.77% 97.42%

10 $8,236 $10,490 $81,731 -2.92% 33.18% 10 $9,212 $10,413 $78,436 -3.95% 31.61%

20 $21,034 $29,885 $94,304 1.82% 11.59% 20 $22,031 $27,838 $87,212 0.71% 10.57%

30 $35,532 $58,722 $113,717 2.85% 6.53% 30 $36,454 $53,872 $103,249 2.05% 5.75%

40 $50,099 $97,273 $138,621 3.08% 4.53% 40 $51,302 $90,649 $126,819 2.57% 3.97%


5 $2,537 $3,112 $77,235 -26.78% 93.06% 5 $2,864 $3,416 $76,936 -23.61% 93.36%

10 $7,939 $10,592 $83,584 -5.69% 30.79% 10 $8,234 $9,958 $80,094 -6.66% 30.23%

20 $21,396 $34,334 $104,600 1.63% 11.14% 20 $21,032 $29,158 $92,432 0.20% 10.23%

30 $35,591 $67,972 $130,267 2.77% 6.40% 30 $35,525 $58,195 $112,110 1.91% 5.65%

40 $50,272 $115,792 $163,603 3.14% 4.56% 40 $50,083 $97,712 $137,983 2.46% 3.91%

Premium = $1,230

IRR

IRR

Mutual Trust

Premium = $1,427

Premium = $1,291 IRR

Foresters

Assurity

IRR

Lafayette

Premium = $1,442

This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, 2011. 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.

Competitive Comparison – Non-Medical

Why Foresters Whole Life Insurance?


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


5 $2,412 $3,098 $77,719 -20.92% 102.65% 5 $3,349 $3,509 $75,609 -14.62% 105.00%

10 $7,106 $9,221 $82,080 -4.64% 33.89% 10 $8,069 $8,902 $77,680 -3.89% 34.25%

20 $18,060 $26,753 $96,301 1.13% 12.05% 20 $19,082 $24,213 $87,149 0.90% 11.85%

30 $30,906 $53,117 $116,299 2.47% 6.84% 30 $32,119 $48,192 $104,043 2.34% 6.65%

40 $44,965 $88,529 $139,071 2.83% 4.69% 40 $46,656 $84,090 $128,764 2.93% 4.68%


5 $2,096 $2,056 $76,814 -33.06% 102.64% 5 $2,411 $2,933 $77,054 -24.72% 98.95%

10 $6,810 $8,586 $81,508 -5.76% 33.97% 10 $7,100 $8,702 $80,289 -7.01% 32.30%

20 $18,283 $26,474 $86,311 1.14% 11.26% 20 $18,046 $25,696 $93,394 0.11% 11.25%

30 $30,897 $50,948 $113,519 2.29% 6.77% 30 $30,876 $51,661 $112,894 1.90% 6.32%

40 $45,086 $85,353 $134,833 2.72% 4.61% 40 $44,900 $86,906 $135,577 2.46% 4.31%

Premium = $1,270


Foresters

Assurity

IRR

Lafayette

Premium = $1,173

Premium = $1,187

IRR

IRR

Mutual Trust


Competitive Comparison – Non-Medical



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


5 $19,100 $24,380 $268,619 -17.58% 98.44% 5 $25,640 $27,334 $505,705 -10.89% 103.26%

10 $54,904 $71,681 $300,095 -2.87% 32.57% 10 $61,410 $69,421 $522,908 -1.71% 33.73%

20 $140,227 $207,148 $395,954 2.10% 11.62% 20 $146,870 $185,586 $581,412 1.83% 11.54%

30 $236,879 $412,590 $543,356 3.20% 6.77% 30 $243,025 $359,148 $688,325 2.77% 6.40%

40 $333,990 $690,833 $731,255 3.44% 4.85% 40 $342,010 $604,327 $845,458 3.09% 4.47%


5 $16,915 $20,747 $514,899 -24.75% 96.19% 5 $19,095 $20,721 $505,710 -20.23% 102.64%

10 $52,925 $70,616 $557,223 -4.45% 31.95% 10 $54,895 $61,582 $519,762 -4.21% 33.40%

20 $142,640 $228,892 $697,331 2.24% 11.68% 20 $140,210 $181,427 $588,418 1.54% 11.56%

30 $237,270 $453,146 $868,446 3.16% 6.76% 30 $236,835 $364,177 $708,460 2.84% 6.54%

40 $335,145 $771,946 $1,090,686 3.42% 4.82% 40 $333,885 $615,663 $872,614 3.20% 4.62%

Premium = $7,637

IRR

IRR

Mutual Trust

Premium = $7,760


Foresters

Assurity

IRR

Lafayette

Premium = $8,995


Competitive Comparison - Fully Underwritten



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


5 $16,083 $20,673 $268,195 -17.58% 98.44% 5 $22,325 $23,392 $504,060 -10.89% 110.77%

10 $47,370 $61,802 $298,299 -2.87% 32.57% 10 $53,795 $59,347 $517,867 -1.73% 36.31%

20 $120,400 $180,795 $397,992 2.10% 11.62% 20 $127,215 $161,419 $580,995 1.98% 12.79%

30 $206,041 $361,834 $539,677 3.20% 6.77% 30 $214,125 $321,279 $693,618 3.03% 7.27%

40 $299,768 $607,299 $702,306 3.44% 4.85% 40 $311,040 $560,599 $858,428 3.42% 5.14%


5 $13,970 $16,706 $512,090 -24.74% 106.40% 5 $16,070 $17,329 $504,949 -20.23% 102.64%

10 $45,400 $57,237 $543,384 -4.32% 35.32% 10 $47,335 $52,662 $517,592 -4.21% 33.40%

20 $121,885 $176,494 $642,075 1.85% 12.75% 20 $120,305 $156,443 $586,890 1.54% 11.56%

30 $205,980 $339,655 $756,790 2.75% 7.18% 30 $205,840 $315,441 $699,820 2.84% 6.54%

40 $300,575 $569,023 $898,889 3.05% 4.92% 40 $299,335 $532,037 $835,581 3.20% 4.62%

Premium = $6,882

IRR

IRR

Mutual Trust

Premium = $6,655


Foresters

Assurity

IRR

Lafayette

Premium = $7,240

Competitive Comparison - Fully Underwritten


Foresters Whole Life InsuranceWhy Foresters Whole Life Insurance?



408823 US (09/12) For Producer Use Only

Foresters SMART Universal Life

SMART UL

A flexible universal life product that offers lifetime insurance protection, non-medical underwriting and potential for cash value accumulation.


503349 US (10/11)

Target Market

• 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


Why SMART UL?

• Offers the security of lifetime coverage

• No medical exams (up to $250,000)

• Simple application process

• Customized coverage with valuable riders

• Flexible coverage

• Competitive rates


Issue Ages •0-70 (Age Nearest Birthday)

Face Amount Minimum •$25,000

Underwriting Classes(Non-Medical)

Non-Tobacco Tobacco Juvenile (Issue age 0-15)

Minimum guaranteed interest rate •3%

Premium payment options• Life Pay• Quick Pay (@ guaranteed interest rate)

Death Benefit Option• Level• Increasing

At a Glance


Face amount

•Issue Age 0-15: $25K-$150K•Issue Age 16-55: $25K-$250K•Issue Age 56-70: $25K-$150K

Minimum modal premium requirements

•$25 Monthly•$75 Quarterly•$150 Semi-Annual•$300 Annual

Surrender charges •Decreasing charge for 15 certificate years

Premium expense charge•6% of premiums paid in the first 20 certificate years

Monthly administration deduction •$12

At a Glance


Definition of Life Insurance Test Options

•Guideline Premium Test (GPT)•Cash Value Accumulation Test (CVAT)

Premium Payable to age 100

Grace Period 61 days from the due date of the monthly deduction in default

ReinstatementsCan be reinstated within 3 years of the date of lapse, subject to conditions

At a Glance


Why SMART UL?

Male N/S 55, $100,000, Premium $2,600

Sources: Individual company software as of June 3, 2011

CurrentInt.Rate

CSV at year 5

CSV at year 10

CSV at year 20

CSV at year 30

CSV at year 40

TgtPrem.

Sec.Gte

Sec GtePrem.

ANICO Executive UL 5.00% 6,815 19,597 57,255 113,711 211,911 1,665 10 years

1,332

Americo LifeCrest 5.00% 6,776 19,115 54,502 107,776 205,657 2,395 20 years

1,436

LSW Horizon UL 6.00% 5,624 17,439 52,005 115,752 231,858 3,004 15 years

1,692

John Hancock Life

Protection UL 11

5.20% 7,941 19,180 45,917 91,315 179,894 1,764 10 years

1,667

Foresters SMARTUL (Non Med)

5.90% 6,936 20,112 57,411 125,591 241,370 1,951 10 years

1,534

AA Easy UL 4.00% 8,969 23,090 55,153 96,232 163,463 2,127 15 years

1,636

50 percentile 5.10% 6,877 19,389 54,828 110,744 208,284 2,039 1,585

Smart UL Rank 3 2 1 1 1


Why SMART UL?

Female N/S 55, $250,000, Premium $6,500

CurrentInt.Rate

CSV at year 5

CSV at year 10

CSV at year

20

CSV at year 30

CSV at year 40

TargetPrem.

Sec.Gte

Sec GtePrem.

ANICO Executive UL 5.00% 20,091 53,851 144,282 295,851 548,440 3,313 10 years

2,650

Americo LifeCrest 5.00% 20,542 55,423 145,360 301,234 567,666 4,488 20 years

2,323

LSW Horizon UL 6.00% 17,715 51,551 143,057 320,209 632,926 6,383 15 years

3,552

John Hancock Life

Protection UL 11

5.20% 23,557 56,052 143,634 306,059 581,850 3,343 10 years

3,157

Foresters SMARTUL (Non Med)

5.90% 20,954 57,925 163,420 360,904 691,607 3,678 10 years

3,358

West Coast Life

Lifetime Advantage Plus

5.40% 18,905 53,600 152,577 315,883 574,058 3,790 15 years

1,945

50 percentile 5.10% 20,317 54,637 144,821 310,971 577,954 3,734 2,904

Smart UL Rank 2 1 1 1 1

Sources: Individual company software as of June 3, 2011


Consumer Brochure


Consumer Worksheet


Foresters Lifefirst Level Term Life Insurance

• Ages 25-55

• Americans 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

Target Market


Why Lifefirst Level Term Life?

• Offers affordable coverage• No medical exams (up to $250,000)• Simple application process• Customized coverage with valuable riders

– Built in value added protection– Living benefits

503349 US (10/11)407967 US (08/12) Producer Use Only

Types•10-year•20-year

Underwriting Classes(Non-Medical)

Non-Tobacco Tobacco

Issue Ages

Non-Medical & MedicalNon-Tobacco Tobacco10-year: 18 to 80 18 to 8020-year: 18 to 65 18 to 60(10-year is not available on Non-Medical basis)

Death Benefit•Level (reduced by loan or Critical Illness Rider•benefits paid)

Convertible•Before the earlier of age 65 or 5 years prior to the end of the initial term.

At a Glance


Face amount

Ages Non-Medical Medical18-50: $50,000 - $250,000 $250,001 & up51-55: $50,000 - $200,000 $200,001 & up56+: $50,000 - $150,000 $150,001 & upOver $10,000,000 subject to head office approval.

Minimum modal premium requirements

•$25 Monthly•$75 Quarterly•$150 Semi-Annual•$300 Annual

Underwriting Classes

Non-Medical MedicalNon-Tobacco Preferred Plus Non-TobaccoTobacco Preferred Non-Tobacco Non-Tobacco Plus Non-Tobacco Tobacco Plus Tobacco

At a Glance


Underwriting Issued standard to table 4

Premiums

Guaranteed and level premiums for the entire initial term for the base certificate. After the initial term period, the certificate may be continued at annual renewable rates to the certificate anniversary nearest age 100.

Certificate Fees

Non-Medical: $6.20/monthly, $18.61/quarterly,$36.50/semi-annually, $70/annually

Medical: $6.20/monthly, $18.61/quarterly,$36.05/semi-annually, $70/annually

Modal FactorsMonthly: 0.088652, Quarterly: 0.265957,Semi-annually: 0.515071, Annually: 1

At a Glance


Sources: AG Producer Guide v10/08, ING HomeGuard Term Rate Card 11/09, Cited with permission of Compulife® (as of January 13, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

$100,000, 20-year term, Non-medical with no riders

Male Std

Ranking

Female Std

RankingAge 50 Non-Tobacco Non Tobacco

Foresters – Lifefirst 20 year(Rates effective September 12, 2011)

$60.19 2 $55.67 2

AG – Ultra Mortgage Complete 20 year $63.44 4 $63.44 5

Americo – Home Mortgage Series 20 year $78.66 7 $78.66 8

Fidelity Life – Rapid Decision Term 20 $63.25 3 $43.94 1

ING – HomeGuard Plus Term 20 $75.00 6 $75.00 7

Stonebridge – Simplified Issue Term 20 $57.25 1 $57.25 3

United Home Life – Express Issue term 20 $84.44 8 $57.85 4

United of Omaha – Term Life Express 20 year $72.36 5 $68.26 6

503349 US (01/11)

503349 US (10/11)

Why Lifefirst?


Source: Cited with permission of Compulife® (as of January 13, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

Competitive Premiums$300,000, 20-year term, medical with no riders

Age 45Male

PreferredNon-Tobacco Ranking

Female Preferred Non-

Tobacco Ranking

Lifefirst 20 Year (Rates effective September 2011) $46.63 4 $37.05 5

AG – Select-a-Term 20 $41.83 2 $34.74 2

ANICO – Select 20 $55.21 8 $43.03 7

Banner – OPTerm 20 $41.13 1 $33.51 1

Lincoln Benefit – TrueTerm 20 Year $63.26 11 $55.13 11

ING – TermSmart 20 $42.70 3 $34.83 3

Sagicor – Platinum Series 20 $59.54 10 $48.31 10

Stonebridge - Stonebridge Term 20 year $49.61 7 $47.78 9

Symetra – 20 year Level Term $58.71 9 $45.06 8

Transamerica – Champion Term II 30 $46.73 6 $36.49 4

United of Omaha - Term Life Answers 20 $46.68 5 $39.20 6

503349 US (10/11)

Why Lifefirst?


Consumer Brochure


Consumer Worksheet


Foresters PlanRight Whole Life

PlanRight

A non-participating whole life product designed to provide for death benefits and premiums as a way to help people pay for the cost of

their final expenses


PlanRight Whole Life

• U.S. population age 65 and over is expected to double in the next 25 years

• By 2030 almost one out of five Americans (some 72 million people) will be 65

years or older

• According to the National Funeral Directors Association, the average cost of a

funeral in 2010 was $7,755

Sources:http://www.cdc.gov/mmwr/preview/mmwrhtml/mm5206a2.htmhttp://www.nfda.org/


http://www.cdc.gov/mmwr/preview/mmwrhtml/mm5206a2.htm


• Quick Application Process – no medical exam, no blood profiles, no HOS

• Quick Underwriting – Producers will know medical eligibility prior to leaving client’s home

• Quick Issue - Quick Pay in your pocket

• Face amounts - from $2,000 to $35,000


PlanRight Whole Life – Benefits in 1st, 2nd and Later Years

• Level Death Benefit

(Based on 100% of the Face Amount*)

• Graded Death Benefit

(Based on greater of:• Year 1: 30% of face amount; or ROP + 4.5% interest• Year 2: 70% of face amount; or ROP + 4.5% interest• Year 3: 100%*)

• Modified Death Benefit

(Based on ROP+10% in years 1 and 2, 100% of the face amount from year 3+*)

*Applicable amount plus unearned premium minus certificate debt such as loans.

Issue Age (ALB) Face Amounts

50 - 80 yrs $2,000 - $35,000

81 - 85 yrs $2,000 - $15,000


50 - 80 yrs $2,000 - $20,000

81 - 85 yrs $2,000 - $10,000


50 - 80 yrs $2,000 - $15,000

81 - 85 yrs Not Available

Subject to state availability.


PlanRight Whole LifeAccidental Death Provision

AvailabilityPlanRight Graded & Modified during the first two years the certificate is in effect

Benefit for Accidental Death

• Face amount in effect on date of death of insured, plus

• Unearned Premiums, minus• Debt

Accidental Death DefinitionDeath caused by an accidental bodily injury, directly and independently from all other causes

Accidental Death PeriodDeath occurs within 180 days of accidental bodily injury




• Premiums

• Age Last Birthday

• Rates for Males/Females and Non-Tobacco/Tobacco

• No Banding

• Commissionable Certificate Fee: $36

• Annual, Semi-annual, Quarterly and Monthly modes

• One application for all 3 plans


PlanRight Whole Life Riders

Built-In ProtectionCommon Carrier Accidental Death Benefit Rider

Extended Protection Accidental Death Rider (Level Plan Only)



PlanRight Whole LifeCommon Carrier Accidental Death Benefit Rider

Availability Insured

Issue Ages 50-85

Benefit

Provides a death benefit of up to two times the face amount to a maximum of $300,000, if the insured dies of an accidental bodily injury that occurred while riding as a fare-paying passenger on a common carrier

Accidental Death DefinitionDeath caused by an accidental injury, directly and independently from all other causes

Accidental Death PeriodDeath occurs within 180 days of accidental bodily injury



PlanRight Whole LifeAccidental Death Benefit Rider

Availability PlanRight Level Insured

Issue Ages 50-85

Benefit

Provides additional coverage in event of accidental death, caused by accidental bodily injury and death occurs within 180 days of the injury.

Issue AmountMinimum: $2,000Maximum: 100% of face amount

Expiry DateCertificate anniversary on which the insured is age 121



PlanRight Whole LifeReal-Time Underwriting

• Supported by Apptical

• Fast, reliable service

• Focus on the sale not the underwriting process

• Know the client’s medical eligibility before leaving the client’s home


PlanRight Whole LifeProcess

• Complete the application

• Call Apptical for Personal Health Interview (PHI)

• MIB and Prescription Checks will be performed on all applications

• Medical eligibility based on application and telephone interview results

• Fax or mail-in application


PlanRight Whole LifeProcess

In order for you to continue with the Point-of-Sale process for PlanRight,

all applications must be submitted to Foresters within 10 business days

after a call has been placed wtih Apptical, regardless of the outcome.



Male Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums

Data in the comparison is based on information available believed to be current as of July 2012, but is subject to change. Not all products are available in all states. Assumes no optional coverages.

Age Foresters Americo Assurity Columbian MonumentalUnited

Home Life

50 30.08 32.06 28.82 29.17 28.80 28.95

55 36.17 35.70 34.28 33.37 36.30 34.91

60 44.16 43.68 41.65 44.83 44.10 44.09

65 52.72 55.20 53.87 55.70 57.50 56.46

70 69.58 72.93 73.05 73.54 76.00 80.71

75 96.88 99.51 100.55 98.22 100.00 122.52

80 138.74 145.65 155.57 141.83 127.70 168.93

85 191.52 200.14 N/A 195.54 174.40 N/A



Female Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums

Data in the comparison is based on information available believed to be current as of July 2012 but is subject to change. Not all products are available in all states. Assumes no optional coverages.

Age Foresters Americo Assurity Columbian MonumentalUnited

Home Life

50 23.10 24.56 25.48 24.38 24.40 23.23

55 28.40 27.73 29.37 28.44 29.40 27.53

60 34.62 33.93 34.74 35.69 34.00 33.22

65 41.90 42.80 44.03 43.52 42.30 40.83

70 52.29 53.43 56.41 54.83 55.00 55.38

75 72.31 72.93 76.89 73.12 72.80 81.24

80 105.07 112.77 113.89 107.9 94.90 114.51

85 158.76 166.32 N/A 149.27 129.60 N/A





APPTICAL

1-866-844-9276

Monday-Friday: 8:30 am to Midnight ET

Saturday-Sunday: 10 am to 8 pm ET

Sales Support

1-866-466-7166 (option 1)

Monday-Friday: 8:30 am to 7:00 pm ET

Saturday-Sunday: Closed


Key Features:

• Entire insurance application completed over the phone

• Paperless process - electronic application

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

• No requirement to send materials prior to call

• No wet Signature Required

• Quick issue and pay

Voice Signature over the Phone


Voice Signature over the Phone – Process

1. Log onto a web account for phone sales2. Complete the sales process with the customer3. Fill out required information on the web application4. Connect the customer with the interviewer via a three way phone

call to complete the application for insurance. 5. Call is recorded6. The interview will determine the plan eligibility, validate application

information, and obtain a voice signature 7. When the call is completed, Foresters will receive all the

information electronically8. The case may be issued and commission processed.


Voice Signature over the Phone

Three Technology Requirements:

1. High Speed Internet Connection

2. Microsoft operating system with Internet Explorer

3. Phone with 3-way call capability


Foresters Prepared Accidental Death Term Insurance

• 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

Target Market


• Low cost

• Easy to sell – on true simplified issue underwriting basis with a few health/lifestyle questions

• Straightforward “accept or decline” underwriting approach – quicker issue turnaround and get paid sooner

• Available as a “fall back” solution for declined Foresters term insurance – a simple, affordable alternative

Why Prepared?


Death BenefitPaid to beneficiary if insured dies within 180days from an accidental bodily injury.

Guarantees

Non-cancelable – the certificate, excluding riders, cannot be canceled by Foresters if premiums are paid as due and there is a health change after issue. The premium rate is guaranteed to remain level and unchanged for the life of the certificate.

PremiumsPayable to age 75.Rates vary by age band and gender

Expiry DateCertificate anniversary on which the insured isage 75. Note: The certificate may end before the certificate expiry date.

Minimum Premiums$10/monthly, $30/quarterly,$60/semi-annually, $120/annually

Issue Ages 18-60

At a Glance


Face Amounts

$50,000 - $300,000Note: The total accidental death term insurancecoverage from all in force Foresters accidental deathcoverage cannot exceed $300,000

Underwriting classesSimplified Issue (non-medical basis).Sub-standard is not available

Certificate fees$5.50/monthly, $16.50/quarterly,$32/semi-annually, $60/annually

Modal FactorsMonthly: 0.091667, Quarterly: 0.275000,Semi-annually: 0.533333, Annually: 1.000000

Optional RidersDisability Income Rider (Accident Only)Waiver of Premium Rider (Accident Only)Return of Premium Rider

At a Glance


Consumer Brochure


Documents

Agenda Who is Foresters TM Foresters Advantages Product line-up Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a