Foresters: A Simplified Issue Life Company

Foresters life insurance company most important details for agents. Ratings, issue ages, face amounts, application submissions, and states available.

At A Glance

  • A-

  • 50-85

  • $10,000-$35,000

  • Paper, voice, & electronic options

  • Required

  • AL, AK, AZ, AR (No GDB or MBL), CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN (No MBL), IA, KS, KY, LA, ME, MD, ME, MN (No GDB or MBL), MS, MO( No GDB or MBL), NE, NV, NH, NJ, NM, NC (No GDB or MBL), ND, OH, OK, OR (No GDB or MBL), PA, RI, SC, SD, TN, TX, UT, VA, WV (No GDB or MBL), WI, WY

  • -Foresters offers excellent premiums and can be sold over the phone with a voice signature.

Overview

Highlights

  • Rate Reduction:

    Level Preferred: Male non-tobacco (ages 65—70)

    Level Preferred: Female non-tobacco (ages 65—70)

  • Shortened Phone Interview

  • Three Products: Level Preferred, Level Standard (1st day coverage), and Modified

  • Drafts: Can draft to coincide with the Social Security deposit dates

  • Commissions: Advanced commissions paid daily upon issue

  • Errors & Omissions: Coverage required

  • Underwriting Decision: Immediate at the point of sale.

Conditions Considered for Level Standard (1st Day Coverage):

  • Heart Attack: If diagnosed over one year but not more than two years

  • Pace Maker or Defibrillator Implant:

    If over one year ago, and no other heart or circulatory procedure

  • Parkinson’s: If able to perform ADL’s

  • Stroke: If diagnosed as having over one year ago but not more than two years

  • Hepatitis B or C

  • Angina: If diagnosed or taken RX over one year

  • Cirrhosis of Liver

Conditions Considered Continued:

  • Transient Ischemic Attack (TIA): If diagnosed as having over one year ago but less than two

  • Emphysema: If no oxygen use or oxygen equipment to assist in breathing within the last year

  • Chronic Obstructive Pulmonary Disease (COPD): If no oxygen use or oxygen equipment to assist in breathing within the last year

Lead Credit

Lead Credit

Lead credit with Foresters insurance group for independent insurance agents

When Appointed with Foresters through Final Expense Brokerage you will receive $100 towards leads instantly.

Request Contracting Form

If you would like to request contracting information about Foresters please fill out this form. This is for agents interested in getting appointed with FEB or returning FEB agents interested in adding additional companies to their portfolio.