January 2007 Great products Great features Great choices Foresters & NAA a great partnership!

January 2007

Great productsGreat features

Great choices

Foresters & NAA a great partnership!

January 2007

January 2007 Foresters •

Customized approach… Easy business…

• Foresters Strong Foundation January 2007 release

• Application Form

• 130 years strong!

• About the Foresters difference

Foresters Strong

Foundation Level Term Life Insurance January 2007

releaseLook for the new or enhanced

features


A variety of Initial

Terms

Convertible Renewable

Guaranteed Level

Premiums

Simplified

IssueFully Underwritten

Strong Foundation Product Features

Overview only, full product details, state variations/restrictions, & availability located on your producer site.


Insurance Classes

Extended Family

Protection Rider

Banding

Accident & Illness Protection Riders

Protection

Riders

Financial

Strong Foundation Product Features con’td



Advantages of Strong Foundation•Simplified Issue & Fully Underwritten

•Choice of initial terms• 15, 20 and 30 year

•7 Riders to provide additional coverage

•Living Rewards Rider• Features Easy Access Loans

•Age Last Birthday

•Liberal Tobacco definition• Cigarettes & marijuana = Tobacco• Pipe, cigar, dip, nicotine patches or gum = Non Tobacco

•Third party ownership

•Preferred Smoker class

•One signature application• Temporary Insurance Agreement (TIA)• PAC• Authorization to obtain & Disclose Information (HIPPA)



Foresters Strong Foundation HighlightsJanuary 2007 release

• 15, 20, and 30 year initial term periods• Simplified Issue and Fully Underwritten (new business and kick out)

• Issue ages (age last birthday)

• 15 year: 18 to 70

• 20 year: 18 to 60

• 30 year: 18 to 50 (45 for male smoker)


•10 year term Fully Underwritten product (not previously available)

•Available (in approved states) February 9th

•Issue ages 40 to 80 (age last birthday)



• Up to $250k maximum face amount on Simplified Issue 15, 20 and 30 year initial terms• Issue ages 18 to 50: $250K (was $200K)• Issue ages 51 to 55: $200k (was $150k)• Issue ages 55+: $150K (was $100K)

• More insurance classes • Preferred Smoker Insurance Class now available for Band 2 (fully

underwritten only)

• Ages 18 to 50 ($150k+)• Ages 51 to maximum age ($100k+)

• Guaranteed level premiums for the entire initial term• Annually increasing thereafter to age 95

• Simplified Issue Life Event • New or refinanced mortgage (even if the mortgage is in the

spouse’s name!), marriage, birth or adoption of a child, divorce and death of a spouse


(was $500K+)


Foresters Strong Foundation HighlightsJanuary 2007 releaseAccident & Illness Options

• Critical Illness (CI) Rider (Accelerated Death Benefit)

• Covered Critical Illnesses• Life Threatening Cancer (Invasive)• Myocardial Infarction (Heart Attack)• Stroke• Advanced Alzheimer’s (before Age 75)

• Covered Critical Procedures – 25% of Payout• Coronary Bypass Surgery• Angioplasty

• 100% benefit amount for critical illnesses, 25% for critical procedures

• 100% of CI premiums paid (minus the sum of CI benefits paid) are returned if the insured dies from a cause other than a critical illness

Note: not available on rated certificates



Accident & Illness Options

•Disability Income (DI) Rider (Accident Only)

• Non-coordinated• Own Occupation definition• 2 claims per policy (2nd claim will be “Any

Occ”)• 90 day waiting period/24 month benefit

period• Can be added post-issue – up to 5 yrs from

issue date• 100% of DI premiums paid (less sum of DI

benefits paid) are returned if the insured dies while DI Rider is in effect

Note: DI Rider may be available on rated certificates but the rider itself cannot be rated

•Waiver of Premium Rider• Helps maintain insurance protection when

income reduces due to total disability• Premiums are waived for as long as the

insured is totally disabled and unable to work

1Injury Facts, National Safety Council (2003 Edition) page 10; 2Karter MJ. Fire loss in the United States during 2002. Quincy (MA): National Fire Protection Association, Fire Analysis and Research Division; 2003; 3Injury Facts, National Safety Council (2003 Edition) page 86; 4Injury Facts, National Safety Council,(2003 Edition), page 2.




$0

$5,000

$10,000

$15,000

$20,000

$25,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Foresters Strong FoundationLiving Rewards Rider (30-year Level Term Period)

Source: ‘Return of Premium Riders Catch On’, The National Underwriter, September 2006


Foresters Strong Foundation HighlightsJanuary 2007 releaseFinancial Protection Option

• Living Rewards Rider (LRR)• #1 Requested feature by the producers and clients

• Refunds 100 % eligible premiums: base certificate, Living Rewards Rider, Accidental Death Rider and Waiver of Premium rider

• Innovative Loan Feature

• Easy access loans: members can access 100% of the growing LRR value (no qualification necessary and can be used for any purpose)

• Premium Quote Calculator

• Show your clients the value of the easy access loan feature

• Generate rate of return examples for your clients


Extended Protection Options

• Accidental Death Rider• Provides inexpensive additional insurance if the insured died from an

accident

• Easy to select: choose from 25%, 50%, 75% or 100% of base certificate insured amount

• Additional Insured Term Rider• The convenience insurance for insured and partner all on one contract

• Many of the product rules are the same as the base contract

• Children’s Term Rider• Gives the gift of guaranteed insurability

• Premium covers ALL children (age 15 days through 17 yrs and 364 days)




Foresters Strong Foundation 2007 Enhancements Launch 34 States launching January 22, 2007

•Alaska Alabama Arizona•Arkansas Connecticut Colorado•District of Columbia Delaware Georgia

•Iowa Idaho Indiana•Kansas Kentucky Louisiana

•Maine Michigan Missouri•North Carolina New Mexico Nebraska•New Hampshire North Dakota Ohio•Oklahoma Rhode Island South Carolina•South Dakota Tennessee Texas•Virginia Wisconsin West Virginia•Wyoming Previously selling 2005 release

Application formOne stop shop


Application formLife insurance applications across the industry vary by shape, size, inclusion of supplemental forms and point of sale purpose

Foresters life application:

•Is a one signature application

•Is a ‘one stop shop’ for gathering all client information regardless of product

• Includes all rider pages and additional insured information gathering requirements

•Helps you gather client information that may be required to make a counter offer should your client not qualify for Simplified Issue product(s)

•Includes some of the supplemental forms required at point of sale, reducing the number of forms you need to carry, for example

• Temporary insurance agreement

• Authorization to obtain and disclose information form (HIPPA)

And don’t forget Foresters Strong Foundation Life Insurance Applications are

Available for downloading/printing

Distribution support


Distribution Support

1 877 NAA 4BIZ(1 877 622 4249)

Updated Marketing Collateral

Updated Premium Quote Calculator

Updated Product Technical Guide

Foresters 130 years strong

Build your business with Foresters Strong Foundation


• A fraternal organization

• Every certificate issued is a new member

• Members are offered the opportunity to volunteer to support community activities and to participate in the governance of our organization

• Members are eligible for member’s benefits

• Assets over $4.5 billion

• Surplus $994 million

• Life insurance in force approximately $13 billion

• “A” (Excellent) financial strength rating by A.M. Best

130 years strong!


The Benefits of Membership

Foresters Member Benefits*• Critical Illness Member Benefit • Terminal Illness Member Benefit• Young Family Member Benefit• Life Enhancement Member Benefit

• Competitive scholarships

• Orphan scholarship

* Member Benefits may be changed or eliminated at any time.

This is an overview only. Full product details, state variations & restrictions, and product availability

can be located on your producer site.


Leveraging our fraternal uniqueness• National sponsorships

• Children’s Miracle Network– Since 1990 invested over $17 million to help raise

$180 million

• Prevent Child Abuse America• International Radio-thon

– 159 hospitals/foundations held Radio-thons

– 260 radio station partners

– Raised over $42 million

Community involvement in 2005• Members and staff donated over 4.8 million volunteer

hours• Our volunteers raised $8 million for community

partners• Foresters contributed over $6 million at the local level

January 2007 Great products Great features Great choices Foresters & NAA a great partnership!

Documents

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