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PlanRight Benefits

There are three types of plans, one that immediately provides a full death benefit and two that provide a limited death benefit in the first two years. Plan type is based on the answers on the application.

Level Death Benefit

Death benefit equals 100% of the face amount
Maximum face amount $35,000 available, depending on age at time of application

Graded Death Benefit

Death benefit limited 30% of face amount in the first year, 70% in the second, and equals 100% beginning in the third year
Maximum $20,000 face amount available, depending on age at time of application

Modified Death Benefit

Death benefit lmited in the first two years to a return of premiums paid, plus 10% anuual interest*, and equals 100% of face amount beginning in the third year
Maximum $15,000 face amount available, depending on age at time of application

* interest is compounded and is accrued on a daily basis

Guarenteed Premiums

PlanRight premiums are level and guarenteed. Unlike some other expenses in life, PlanRight premiums remain the same for as long as you keep the coverage.

Benefits are Guarenteed

Your death benefit is guarenteed as long as premiums are paid and will never be canceled because of changes in your health while coverage is in effect.

"Get More" The Foresters Difference

With a financial product from Foresters, you become a member. Foresters members become part of a Foresters branch closest to where they live. Eligible members are encouraged to participate in the organization's governance matters, vote in the election of Branch Officers and participate in decisions that impact their branch.

Members may also gain access to complimentary member benefits and other opportunities not usually available from traditional insurance providers. Complimentary member benefits such as critical illness and terminal illness benefits, scholarships and young family member benefits.

Another important benefit of Foresters membership is the opportunity for personal development, social interaction and voluntary service to others through Foresters-sponsored events and fun family activities. Learn more about the Foresters Difference.

AM Best Rated A- (Excellent)

Foresters financial strength, as measured by A.M. Best Company, is rated "A" (Excellent)* and has been for the past nine 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, 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.

About Foresters

Foresters is a life insurance organization committed to helping individuals and families achieve their financial security goals through its innovative portfolio of competitive life insurance and annuity products.

Headquartered in Toronto, Canada, Foresters is a fraternal benefit society that has more than 650,000 members — who are customers. Foresters shares its financial strength with its members by offering them more than just a financial product; eligible members also benefit from special member benefits and community involvement opportunities to help them and their families get more out of life. Eligibility for Foresters complimentary member benefits is a key part of the Foresters difference.

Beyond offering competitive products, Foresters is recognized for its financial strength and its enduring commitment to improving the health and well-being of children, families and the communities in which we live.

History of Dr. Oronhyatekha (Founder of Foresters)

Prominent doctor and remarkable founder of the Independent Order of Foresters in Canada, Dr. Oronhyatekha held the office of Supreme Chief Ranger (now called International Fraternal President) — from 1881 until his death in 1907.

A Mohawk, born in 1841 at Six Nations, near what is now Brantford, Ontario, Oronhyatekha ("Burning Sky") was baptized Peter Martin, the eighth in a family of nine children. He was educated at the local reserve school, and later attended the Wesleyan Academy in Wilbraham, Massachusetts and Kenyon College at Gambier, Ohio. Initially planning to become a teacher, he changed his career plans in 1860 when he became one of the first native Canadians to be accepted into medical school at the University of Toronto, and shortly thereafter, to Oxford University in the United Kingdom.

He obtained his medical degree from the University of Toronto in 1866, and became the first native doctor in Canada to practice western medicine.

Dr. Oronhyatekha (pronounced Or-on-ya-tek-ha) gained prominence as a medical doctor, establishing successful practices in Napanee, Frankfort, Stratford, and London, Ontario. Before long, however, he became increasingly more active in the many community organizations to which he belonged, and ultimately left his medical practice.

He joined Foresters as a member in 1878 and quickly progressed through its leadership ranks, becoming Chief Ranger of Court (Branch) Victoria and, shortly afterward, the first High Chief Ranger of the High Court of Ontario. As Foresters leader, Dr. Oronhyatekha traveled extensively, spreading the message of fraternalism and increasing membership. By the early 1890s, he had successfully transformed Foresters into North America's leading fraternal benefit society.

Dr. Oronhyatekha brought his Mohawk values of fairness and equality to bear on the institutions of the Victorian era. He helped transform the insurance industry by extending insurance benefits to the average working family. In addition to admitting women as full members, he provided orphan benefits to the children of deceased Foresters members — benefits that are still available today as part of Foresters membership.

After an outstanding 26-year career as the head of Foresters, Dr. Oronhyatekha died on March 3, 1907 in Georgia. Although he left no direct descendents, today his legacy and commitment to children, families, and communities lives on through Foresters values and its more than 650,000 members in Canada, the United States and United Kingdom.

Here are links to forms you will want to have:

**These forms may be state specific - forms used on here are OHIO**

Make sure to check with your upline for any additional details.

Instructions For Foresters Contracting

Print the Contract/Commission Chart (Click Here to Download Contract/Commission)
Complete and Sign the Contract/Commission Chart
Attach a Photocopy of your State Insurance License
Fax or Mail to: (be sure to include all licensing documents)

Fax to:

Mail to:

Once we receive your application we will have it processed immediately
and a new agent kit will be sent to you
Once you receive your agent number you may begin selling!
If you have any Questions feel free to call us at 1 (866) 866-7951