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April 2009
For Producer Use Only
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2. Important Note for Producers
This presentation is provided to support your initial training on Foresters Strong Foundation. It is an effort to present a snapshot of Strong Foundation product features and it is not intended as a substitute for the applicable product wording. There are several other tools available to support your learning needs. It is important to understand that this is not an inclusive document and the applicable certificate and riders, which you must be familiar with, will supersede all training materials. You must ensure that you correctly represent, to a customer or prospect, the product features based on the actual wording of the applicable product.
Product and features may not be available in all jurisdictions and certain variations and/or restrictions may apply. Consult ezbiz for more detailed product information and availability.
April 2009
For Producer Use Only
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3. (See notes page for more product highlights)
Why Strong Foundation?
Solid and affordable insurance protection to help your clients prepare for the unexpected…
with flexible options to adapt as their stage of life and insurance needs change
April 2009
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Market Opportunity
If your client is looking for…
Reliable insurance protection
Complementary health protection
Protection to help replace lost income in case of disability
Supplemental savings for emergency or retirement
Strong Foundation Solution
Strong Foundation’s coverage differs from mortgage insurance because its coverage remains level. And, being the coverage’s owner, your client has total control of the coverage, e.g. name his/her beneficiary
Upon diagnosis of covered critical illness, Critical Illness Rider provides accelerated benefit of base term coverage – your client can use the money anyway he/she sees fit
Disability Income Rider (Accident Only) can provide monthly benefits to help support family expenses if insured becomes totally disabled due to an accidental bodily injury
Available with 30-year term, Living Rewards Rider returns premiums paid for base term coverage and eligible rider(s)
April 2009
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5. Strong Foundation Product Features – Base Protection
Available on Simplified Issue (SI) and Fully Underwritten (F U/W) basis
No life event requirements on SI
Choices of initial terms:
15-, 20- & 30-year term periods for SI
10-, 15-, 20- & 30-year term periods for F U/W
Issue age based on last birthday
Notes:
Strong Foundation is available as Fully Underwritten or Simplified Issue
No life event requirements for Simplified Issue!
Issue Ages – based on age last birthday basis:
April 2009
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6. Strong Foundation Product Features – Base Protection
Minimum issue limits: $20,000 without LRR or $25,000 with LRR
Maximum issue limits:
SI – up to $250,000 depending on issue age
F U/W – no maximum, subject to underwriting approval
Premiums for base certificate are guaranteed for the entire initial term
Premium banding:
1 premium band for SI
3 premium bands for F U/W – higher premium bands offer lower premium rate per $1,000 of coverage
Notes:
Issue face amount limits:
Premium banding:
April 2009
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7. Strong Foundation Product Features – Base Protection
Insurance classes:
2 classes for SI
5 classes for FU – preferred classes available from Band 2 and up
Renewable to age 95
Convertible to permanent life insurance without evidence of insurability
SI – non-contractual (subject to our business practice)
FU – contractual provision
6 optional riders to provide comprehensive insurance protection
Notes:
Insurance Classes
SI: Standard Non-Smoker & Standard Smoker
FU:
Non-Smoker: Individuals who do not smoke cigarettes (cigars, pipes, chewing tobacco, nicotine patches and other substitutes are allowed).
Smoker: Individuals who smoke cigarettes (including marijuana).
Renewable
After the initial term, certificate automatically renews annually to age 95 with annually increasing premiums.
Convertible - currently available on Simplified Issue (subject to our business practice) & Fully Underwritten (contractual provision)
Prior to the earlier of the end of the initial term period less 5 years, and the certificate anniversary on which the insured is 65. The new certificate will:
Be in the same rating class and insurance class. If either class is not available, the new certificate will be in the next less favorable class available on the conversion date
Be issued on a permanent life insurance plan Foresters is then issuing.
Be for an amount of insurance less than or equal to the face amount (subject to minimum certificate requirements on the conversion date)
Be issued at the age, as defined in the new certificate, of the insured on the conversion date
Not invoke new suicide and contestability periods
April 2009
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8. Strong Foundation Product Features – Optional Riders
Accident & Illness Options – available for all terms
Critical Illness Rider (accelerated death benefit) (CIR)
Disability Income Rider (accident only) (DIR)
Waiver of Premium (WPR)
Extended Protection Options – available for all terms
Accidental Death Rider (ADR)
Children’s Term Rider (CTR)
Financial Protection Option – available with 30-year term
Living Rewards Rider (LRR)
April 2009
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9. Accident & Illness Protection Options
Critical Illness Rider (Accelerated Death Benefit)
Pays a portion of the base term benefit in a lump sum if diagnosed with one of the covered critical illnesses or has completed a covered critical procedure.
100% for covered critical illness
25% for covered critical procedures
Except for life threatening cancer which requires diagnosis to occur after 30 days of the issue date, there are no waiting period requirements for other covered illnesses. (Some companies require the diagnosis occurred 60 days for cancer or 90 days for other covered illnesses after the coverage issue date).
Return of CIR premiums paid (minus CIR benefits paid) on death (from a cause other than a critical illness) while the rider is in effect
Benefit
Payout
Key Advantages
Notes:
Issue limits: From $5,000 to 75% of the base amount up to $50,000
Covered Critical Illnesses – 100% of payout
- 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% of CI premiums paid (minus the sum of CI benefits paid) are returned if the insured dies, while this rider is in effect, from a cause other than a critical illness
Not available on rated certificates
Min. rider benefit: $5,000; max. rider benefit: 75% of base certificate amount up to $50,000
Max. CI benefit per insured from all certificates is $250,000
Premiums not guaranteed
Cannot be added after issue
CIR is expired on the last day of the initial term period
April 2009
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10. Accident & Illness Protection Options
Disability Income Rider (Accident Only)
Provides a monthly benefit if the insured becomes totally disabled within 180 days of an accidental bodily injury
Up to 2 independent claims
Benefits payable up to 2 years per claim
Benefits are non-coordinated – will not be reduced/offset by other DI benefits received from other sources
Available on a Simplified Issue basis (not medically underwritten)
Return of DIR premiums paid (minus DIR benefits paid) on death while the rider is in effect
Benefit
Payout
Notes:
Issue limits: $500 to the lesser of:
- $2,000 for SI or $3,000 for FU
- 1.5% of base certificate amount
- 60% of insured’s monthly pay at the time of application
2 claims per certificate – 1st claim with Own Occ definition
– 2nd claim with Any Occ definition
90-day waiting period (DIR benefits will not be paid during the waiting period)
Max. of 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
DI Rider may be available on rated certificates but the rider itself cannot be rated
Maximum monthly benefit is the lowest of a) $2,000 for SI/$3,000 for FU; b) 1.5% of the base certificate amount; and c) 60% of the insured’s monthly pay (at the time of application)
DIR is expired at age 65 or on the last day of the initial term, whichever is earlier.
Key Advantages
April 2009
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11. Accident & Illness Protection Options
Waiver of Premium Rider
Waives the Strong Foundation premium required for each month the insured is totally disabled
To qualify, insured must become totally disabled prior to age 60 and for a continuous period of at least 6 months
If the premiums of the Strong Foundation coverage are being waived on the rider expiry date, the waiver will continue as long as the insured remains totally disabled
Benefit
Payout
Notes:
WPR is expired at age 60 or on the last day of the initial term, whichever is earlier.
Key Advantages
April 2009
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12. Extended Protection Options
Accidental Death Rider
Provides additional benefit in the event of accidental death
Benefit is paid in addition to the base certificate should an accident death occur within 365 days, of and due to, the accidental bodily injury
An affordable way to provide extra coverage to safeguard loved ones in case of accidental death
Benefit
Payout
Notes:
Issue limits: A choice of 25%, 50%, 75% or 100% of the base face amount with minimum amount of $10,000 to a maximum of $300,000
Total ADR insurance from all insurers cannot exceed $300,000
ADR expires at age 70 or on the last day of the initial term, whichever is earlier.
Key Advantages
April 2009
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13. Extended Protection Options
Children’s Term Rider
Provides level term insurance for each child of the insured
Benefit is payable for a death of an insured child
One low premium ($5 per month) covers ALL insured children
Can convert up to $50,000 to permanent insurance without evidence of insurability
Benefit
Payout
Notes:
Gives the gift of guaranteed insurability for insured children (i.e. whether born, adopted, under the legal guardianship or a stepchild) who are between the age of 15 days and their 18th birthday
Issue limit: $10,000
Insured child will be covered regardless of marital status as long as remains as an insured child
Insured child can convert to permanent insurance without evidence of insurability until 2 months after the earliest of: a) date the rider ends; b) death of insured; c) insured child’s 25th birthday
Conversion amount is:
$10,000 on or before insured child’s 21st birthday
Up to $50,000 after insured child’s 21st birthday
CTR expires at insured’s age 65 or on the last day of the initial term, whichever is earlier.
Key Advantages
April 2009
For Producer Use Only
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14. Financial Protection Option
Living Rewards Rider
Provides LRR benefit (return of premiums) at the end of the 30-year term if the insured survived
Return of 100% of eligible premiums paid at the end of 30-year term period; minus:
Outstanding loan plus interest
CIR benefits paid
Insured can access the growing value of the LRR benefit through an easy access loan – no qualification required
Benefit
Payout
Notes:
Available with 30-year term only
Eligible premiums: premiums paid, while the rider is in effect, for base certificate, LRR, ADR and WPR (may vary depending on state variations)
Prior to the end of initial term, LRR benefit (i.e. premium return) is a percentage (reaches 100% at the end of the initial term) of eligible premiums paid, minus outstanding loan plus interest and minus CIR benefits paid
Should the base certificate lapse or is cancelled, the accumulated LRR benefit can be taken as:
- Extended term insurance (as default option – may vary due to state variations)
- Payment of the LRR benefit
- Reduced Paid Up life insurance
Illustration software can:
Illustrate to your clients the value of the easy access loan feature
Generate rate of return examples for your clients
Key Advantages
April 2009
For Producer Use Only
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15. Strong Foundation State Availability
No life event requirements and new premium rates for all 49 states and DC
April 2009
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16. Applying for Strong Foundation
Complete application – check out ezbiz for correct state versions
When filling out product details page
– skip the life event questions if applying for simplified issue
– LRR available with 30-year term only
If applying for CTR, DIR and CIR, supplemental forms must be completed and submitted with application
Other point of sales forms may be required
Collect standard non-smoker or smoker premium to avoid delays - Even if client qualifies preferred rates
Supporting materials available on ezbiz:
Guide to Completing the Application
4 Easy Steps to Submit Business With Foresters
Notes:
Other point of sale forms include:
• DIR or CIR disclosure and benefit illustration forms
• Contingent owner form
• Replacement forms
• And more… (visit ezbiz – Forms and Collateral section)
April 2009
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17. Underwriting Key Points
Refer to Foresters Underwriting Guide’s Impairment Guide section before submitting SI applications – it lists impairments that will be accepted or rejected (helps improve approval rates!)
Underwriting will decline if applicant does not qualify for SI – will not automatically move the case to F U/W
If applying for F U/W – producers order age & amount requirements – See Underwriting Guide for details on approved paramedical companies
For all applicants over age 75:
Activities of Daily Living questionnaire is required
Underwriting will order APS
Foresters Underwriting Guide available on ezbiz includes:
Age & amount requirements
Preferred class criteria & build charts
Impairment guide for Simplified Issue
April 2009
For Producer Use Only
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18. Supporting Materials/Tools
Consumer brochure ( US 08/08)
Product guide ( US 03/09)
rate books ( US 02/09 & MT 02/09)
Coverage at a glance worksheet ( US 08/08)
Mortgage protection fact sheet ( US 08/08)
Advance marketing – Living Rewards Rider ( US 03/09)
Illustration software (web base & desktop download)
And more…. Visit ezbiz for details or call:
Distribution Support
1 877 NAA 4BIZ
( )
New
April 2009
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19. (See notes page for more product highlights)
Foresters Difference
Fraternal benefit society
Member-based organization
135-year tradition of caring and giving
$1.2 billion surplus
“A” (Excellent) rating by A.M. Best
All Figures are as at February 2009 and in Canadian dollars
April 2009
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20. Benefits of Membership
Insured customers are members
Help members to achieve financial security
Beyond traditional insurance products
Benefits of membership
Member benefits
April 2009
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Fraternal Benefits
Opportunities to attend special events for members, their families and friends
Opportunities for community involvement
Members can give back to causes close to their heart
Get involved with charity or create local partnership, with support from Foresters
Opportunities to participate in governance through local member network (Branch system)
Visit
April 2009
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22. (See notes page for more product highlights)
Member Benefits
Complimentary, available at no extra cost
Additional benefits beyond life insurance or annuities
Non-contractual
Non-guaranteed, may change
At issue, do not need to apply or be underwritten
April 2009
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23. (See notes page for more product highlights)
Member Benefits
Available to all eligible Foresters members and immediate family
Subject to eligibility requirements and limitations (described in materials on website)
Provide financial value
Assistance during times of need
Value-added benefits
Get more from membership
April 2009
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24. Member Benefits Brochure
Critical Illness member benefit
Terminal Illness member benefit
Competitive Scholarship member benefit
Orphan Scholarship member benefit
Young Family member benefit
Visit for details
Member Benefits Brochure
April 2009
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25. Value of Member Benefits
$6.0 Million Grants Paid in 2007
$2.4 million for 1,200 education grants
$2.2 million for Competitive Scholarships
$1.7 million for 1,500 medical grants
$1.6 million for cancer claims
$1.9 million for 130 other grants
Terminal Illness loans, monthly payments for care of orphans and others
April 2009
For Producer Use Only
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