Term Select 5, 10, 15, 20, 25 or 30 years: Provides you with the choices you need to plan for your family's financial security. These policies can also be renewed without providing evidence of insurability for subsequent fixed terms. Some term insurance products also include a conversion option that allows you to convert all or part of the coverage to permanent insurance without further evidence of insurability.
Permanent Insurance: Offers stability and long-term financial well being, providing for estate preservation, business planning or retirement. With our permanent life insurance products, you can get lifetime coverage. Some of these products also offer the added benefit of accumulating cash value.
Familylife: A participating whole life insurance product that provides flexible, cost-effective permanent protection. As a participating whole life insurance product, Familylife may pay dividends that can be used to purchase additional coverage, reduce premiums, or be received in cash.
Universal Life Insurance
Foresters Universal Life Insurance: Provides you with the flexibility to consider different insurance and investment choices, all within the framework of a single life insurance contract. You may have one or more investment accounts under this policy, in addition to your death benefit. A portion of your premium pays for your insurance, and the remainder can be saved in the investment accounts.
Critical Illness Insurance
Foresters Critical Illness: Provide welcome financial security to you and your family in the event of a devastating illness. Your family's finances and lifestyle can be protected with a cash benefit that you can use to cover your expenses.
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Life Income Fund (LIF): A LIF is a payout option for locked-in monies from pension plans and is designed to generate a lifetime income combining the features of a RRIF and an annuity. It operates like a RRIF (except that a LIF has limits on payouts in any year) up to age 80, when it must be converted to a life annuity. Most provinces now permit this new payout option under their pension legislation.
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