Foresters Financial™ offers smokers significant savings to encourage them to quit smoking and lead a healthier lifestyle.
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Our Advantage Plus Participating Whole Life1 and Non-Par Whole Life2 products come with a Quit Smoking Incentive Plan.
Smokers automatically receive lower rates for the first two years of their policy. And if they quit within this time period, those lower premiums can continue.
Depending on the product and premium paying period your clients chose, the savings could apply to up to 20% of their total premiums even if they decide not to quit. And Foresters smoker rates are still very competitively priced.
Significant savings that add up
Meet Lee
Lee is a 51-year-old male smoker looking for affordable permanent protection.
He purchases Advantage Plus with $150,000 of coverage. He selects the Enhanced Insurance Dividend Option and a payment period of 10 years. In the first two years with the Quit Smoking Incentive Plan, he saves $2,3273 compared to standard smoker rates.
Meet Marlo
Marlo is a 42-year-old female smoker.
She purchases Non-Par Whole Life with $175,000 of coverage and a payment period of 20 years. In the first two years with the Quit Smoking Incentive Plan she saves $2,1773 compared to standard smoker rates.
And those savings continue if Lee and Marlo successfully quit smoking within two years.
Life Insurance with a Larger Purpose
For nearly 150 years, Foresters has been helping families build financial security and make a difference in their communities. On Oct. 1, 2020, Foresters and Canada Protection Plan joined forces in an a union that benefits both advisors and their customers.
Financially strong with assets of $18.5 billion CAD and a LICAT ratio of 192.5%,4 you and your clients can count on Foresters.
Amazing Member Benefits
Plus, Foresters offers members a wide range of unique and complimentary benefits.5
Benefits that can be part of our members’ lives today and every day. Recent benefits include Foresters Go6 – a new holistic well-being app available exclusively to Foresters members. It’s a fun and flexible way to earn valuable rewards for health living and another example of how Foresters helps your clients get the most out of life.
Learn More
- Underwritten by The Independent Order of Foresters.
- Underwritten by Foresters Life Insurance Company.
- Standard rates.
- Consolidated financial results prepared in Canadian dollars as of December 31, 2020. Financial strength refers to the overall health of The Independent Order of Foresters. It does not refer to nor represent the performance of any particular investment or insurance product. All investing involves risk, including the risk that you can lose money.
- Descriptions of member benefits that you may receive assume that you are a Foresters member. Foresters member benefits are noncontractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available.
- Foresters Go is provided by The Independent Order of Foresters and is operated by dacadoo AG.
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Foresters Financial, Foresters, Helping Is Who We Are, Foresters Care, Foresters Go and the Foresters Go logo are trade names and/or trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Rd, Toronto, Canada M3C 1T9) and its subsidiaries.
© 2021 Canada Protection Plan, CANADA PROTECTION PLAN and the logo are trademarks of Canada Protection Plan Inc., a Foresters Financial Company, No Medical and Simplified Issue Life and Critical Illness Insurance Underwritten by Foresters Life Insurance Company.