Foresters Financial

Foresters is a Fraternal company and E&O is required to sell their final expense products. As a Fraternal company, there are many perks for the customers which become members and enjoy member discounts and benefits.  

This company has many products but we are just highlighting the final expense products that only require a Life license to do business.

You can sell this product face to face and over the phone. You can submit a paper application or use their LiveApp for both face to face and phone applications.

They use Apptical which has extremely good hours for the POS interview and it only takes approximately 7 minutes.  They only go over the "yes" questions on the application. This is much quicker than the typical Apptical interview where they ask every question on the application.


PlanRight Final Expense:
Preferred Plan:
Amount $5,000-$35,000 Ages 50-80
Amount $5,000-$15,000 Ages 81-85

Standard Plan:
Amount $5,000-$20,000 Ages 50-80
Amount $5,000-$10,000 Ages 81-85

Basic Plan:
3-year Modified plan
Amount $5,000-$15,000 Ages 50-80
Amount $5,000-$10,000 Ages 51-80


Child Whole Life:
This is a separate application.  It can be added by a legal guardian, parents, and grand-parents. 
10-Pay Plan-Will become a Modified Endowment Contract (MEC).  Built in Guaranteed Insurability Rider.
Pay To 100 also available (payment options monthly, semi-yearly, yearly)