Products and Features
Term Life Insurance
Foresters - established in 1874; $4.32 billion in assets; $1.12 billion surplus
"Strong Foundation"
Simplified Issue - no medical exam
15, 20, 30 year term
Minimum Benefit Amount - $20,000 Maximum Benefit Amount - $250,000
Fully Underwritten - physical exam at your home (blood, blood pressure, etc.)
10, 15, 20, 30 year term; same minimum and maximum benefit amount as simplified issue
Level premium amount for the entire term
Forester benefits to members (policy holders):
350 Competitive Scholarships - $2,000/year for four consecutive years
Orphan Scholarship - Children of deceased eligible for up to $6,000/year
Terminal Illness - Interest-free loan of 75% of net face amount of death benefit
Young Family - Orphan benefit payment of $300/month/child to legal guardian
Critical Illness - $4,000 lump sum payment for diagnosis of cancer, heart attack, stroke, or multiple sclerosis
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Old Mutual - established in 1845; more than four million policy holders; $414 billion in assets; presence in 40 countries
"Your Term"
Simplified Issue - no medical exam, life event (adoption, childbirth, marriage/divorce, home purchase/refinance)
10, 15, 20, 25, 30 year term (10, 15, 20, 25 year terms have five year guarantee on premium amount; 30 year term has 15 year guarantee on the premium amount)
Minimum Benefit Amount - $25,000 Maximum Benefit Amount - $200,000
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Universal Life Insurance (Permanent Insurance)
Foresters Armor
Simplified Issue - $25,000 to $250,000
Fully Underwritten - $251,000 and greater
Old Mutual - MasterChoice and MasterElite
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Annuities
American Equity - Equity-indexed Annuities
"Bonus Gold" - 10% bonus once contract issued, Lifetime Income Benefit Rider, Death Benefit
"Retirement Gold" - 12% bonus vests over 14 year period, Lifetime Income Benefit Rider, Death Benefit, Terminal Illness Rider
Want to stop losing your principal in your IRA account? Still letting your former company that laid you off manage your 401K? Are you still just stacking those retirement account statements because you can't bear to look at them? By the way, how are your retirement funds faring in this economy?
Transfer your funds to an equity-indexed annuity, and you will never lose any of your principal, premiums, or earned interest due to market volatility.