FORESTERS FINANCIAL PLANRIGHT FINAL EXPENSE AND BURIAL INSURANCE

Foresters Financial has a rich 140 year history. Foresters Financial has helped people and families over those 140 years with insurance, savings, retirement and investment  HOW they can help you and WHY their policies are some of the best in class?

First of all, Foresters is a PARTICIPATING (or mutual) company. That means as a policy holder, you are also a Foresters member and with some policies you are actually a shareholder!

Think about it, would you like to buy into a company as a customer, an investor or both? The common sense answer is BOTH! The company must now be managed and accountable to both the customers and shareholders and guess what, you are both a customer and shareholder.

FORESTERS FAST FACTS

• First Year In Business: 1874
• Final Expense (Plan Right) Age Availability: 45-85
• Whole Life (Advantage Plus) Age Availability: 0-75
• Plan Right Face Amount Range: $2,000-$35,000
• Advantage Plus Face Amount Range: $25,000-$400,000
• 2 Year Waiting Period: No (subject to underwriting approval)
• State Availability: All 50 States
• Optional Riders: Accidental Death
• How To Apply: Foresters is avaialble through Affordable Final Expense (www.cheapestfinalexpense.com)
• Unique Features: Become a Foresters member and receive unique benefits not offered by other carriers. The Foresters Advantage Plus policy is BEST IN CLASS for dividend and interest earning.
• Disadvantage: Paper application (no eApp), although the paper app is very simple compared to other carriers. Rates for smokers will be significantly higher than other carriers.
• Unique Underwriting Strengths: Type 1 & 2 Diabetes | Atrial Fibrillation (AFIB) | Bi-Polar | Depression | Epilepsy | Multiple Slerosis | Seizures | Sleep Apnea | Wheelchair

Click Here For Foresters PlanRight Product Brochure

Click Here For Foresters AdvantagePlus Product Brochure

The Skinny on Forester's | Our Opinion

We absolutely love Foresters, one of our manage brokers wrote his first policy with Foresters.

Foresters PlanRight Final Expense policies are highly competitive for healthy non-smokers, male and female alike. After running thousands and thousands of quotes, we found that Foresters is a sweet spot for 65-75 year old non-smoking women, simply meaning that Foreters PlanRight will be one of the lowest rates for that classification (if not THE lowest).

We are most fond of their Advantage Plus policy, which is not necessarily a "Final Expense" or "Burial Insurance" policy per se, but the benefits of this policy are best in class if someone is in good health and has a few extra bucks to spend on premiums.

Foresters has maintained an A (or A+) rating with A.M. Best for the nearly 20 years. The combination of excellent rating along with 140+ years of continuous operation gives us all great confidence that we are dealing with a world class organization.

SUMMARY: (1) For healthy non-smoking men and women between the ages of 50-85, Foresters is price competitive. They might be a few dollars more for certain ages, but if you don't mind paying a few extra dollars it's well worth it to be a customer of an A rated company with 140 years of history and trust; (2) if are are 45-65, in good health and are looking for $15,000 or more in Final Expense or Whole Life coverage, Foresters Advantage Plus is a home run, knock-out and no-brainer option!

TABLE OF FORESTERS PLANRIGHT (NOT ADVANTAGE PLUS) PREMIUMS (2018/2019)