January 2007 Great products Great features Great choices Foresters & NAA a great partnership!

January 2007

Foresters Page 3 Customized approach… Easy business… Foresters Strong Foundation January 2007 release Application Form 130 years strong! About the Foresters difference

Foresters Strong Foundation Level Term Life Insurance January 2007 release Look for the new or enhanced features

January 2007 Foresters Page 5 A variety of Initial Terms Convertibl e Renewable Guaranteed Level Premiums Simplified Issue Fully Underwritten Strong Foundation Product Features Overview only, full product details, state variations/restrictions, & availability located on your producer site.

January 2007 Foresters Page 6 Insurance Classes Extended Family Protection Rider Banding Accident & Illness Protection Riders Financial Strong Foundation Product Features contd Overview only, full product details, state variations/restrictions, & availability located on your producer site.

January 2007 Foresters Page 7 Advantages of Strong Foundation Simplified Issue & Fully Underwritten Choice of initial terms 15, 20 and 30 year 7 Riders to provide additional coverage Living Rewards Rider Features Easy Access Loans Age Last Birthday Liberal Tobacco definition Cigarettes & marijuana = Tobacco Pipe, cigar, dip, nicotine patches or gum = Non Tobacco Third party ownership Preferred Smoker class One signature application Temporary Insurance Agreement (TIA) PAC Authorization to obtain & Disclose Information (HIPPA) Overview only, full product details, state variations/restrictions, & availability located on your producer site.

January 2007 Foresters Page 8 Foresters Strong Foundation Highlights January 2007 release 15, 20, and 30 year initial term periods Simplified Issue and Fully Underwritten (new business and kick out) Issue ages (age last birthday) 15 year: 18 to year: 18 to year: 18 to 50 (45 for male smoker) Overview only, full product details, state variations/restrictions, & availability located on your producer site. 10 year term Fully Underwritten product (not previously available) Available (in approved states) February 9 th Issue ages 40 to 80 (age last birthday)

January 2007 Foresters Page 9 Foresters Strong Foundation Highlights January 2007 release Up to $250k maximum face amount on Simplified Issue 15, 20 and 30 year initial terms Issue ages 18 to 50: $250K(was $200K) Issue ages 51 to 55: $200k(was $150k) Issue ages 55+: $150K(was $100K) More insurance classes Preferred Smoker Insurance Class now available for Band 2 (fully underwritten only) Ages 18 to 50 ($150k+) Ages 51 to maximum age ($100k+) Guaranteed level premiums for the entire initial term Annually increasing thereafter to age 95 Simplified Issue Life Event New or refinanced mortgage (even if the mortgage is in the spouses name!), marriage, birth or adoption of a child, divorce and death of a spouse Overview only, full product details, state variations/restrictions, & availability located on your producer site. (was $500K+)

January 2007 Foresters Page 10 Foresters Strong Foundation Highlights January 2007 release Accident & Illness Options Critical Illness (CI) Rider (Accelerated Death Benefit) Covered Critical Illnesses Life Threatening Cancer (Invasive) Myocardial Infarction (Heart Attack) Stroke Advanced Alzheimers (before Age 75) Covered Critical Procedures – 25% of Payout Coronary Bypass Surgery Angioplasty 100% benefit amount for critical illnesses, 25% for critical procedures 100% of CI premiums paid (minus the sum of CI benefits paid) are returned if the insured dies from a cause other than a critical illness Note: not available on rated certificates Overview only, full product details, state variations/restrictions, & availability located on your producer site.

January 2007 Foresters Page 11 Accident & Illness Options Disability Income (DI) Rider (Accident Only) Non-coordinated Own Occupation definition 2 claims per policy (2 nd claim will be Any Occ) 90 day waiting period/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 Note: DI Rider may be available on rated certificates but the rider itself cannot be rated Waiver of Premium Rider Helps maintain insurance protection when income reduces due to total disability Premiums are waived for as long as the insured is totally disabled and unable to work 1 Injury Facts, National Safety Council (2003 Edition) page 10; 2 Karter MJ. Fire loss in the United States during Quincy (MA): National Fire Protection Association, Fire Analysis and Research Division; 2003; 3 Injury Facts, National Safety Council (2003 Edition) page 86; 4 Injury Facts, National Safety Council,(2003 Edition), page 2. Overview only, full product details, state variations/restrictions, & availability located on your producer site. Foresters Strong Foundation Highlights January 2007 release

January 2007 Foresters Page 12 Source: Return of Premium Riders Catch On, The National Underwriter, September 2006 Overview only, full product details, state variations/restrictions, & availability located on your producer site. Foresters Strong Foundation Highlights January 2007 release Financial Protection Option Living Rewards Rider (LRR) #1 Requested feature by the producers and clients Refunds 100 % eligible premiums: base certificate, Living Rewards Rider, Accidental Death Rider and Waiver of Premium rider Innovative Loan Feature Easy access loans: members can access 100% of the growing LRR value (no qualification necessary and can be used for any purpose) Premium Quote Calculator Show your clients the value of the easy access loan feature Generate rate of return examples for your clients

January 2007 Foresters Page 13 Extended Protection Options Accidental Death Rider Provides inexpensive additional insurance if the insured died from an accident Easy to select: choose from 25%, 50%, 75% or 100% of base certificate insured amount Additional Insured Term Rider The convenience insurance for insured and partner all on one contract Many of the product rules are the same as the base contract Childrens Term Rider Gives the gift of guaranteed insurability Premium covers ALL children (age 15 days through 17 yrs and 364 days) Overview only, full product details, state variations/restrictions, & availability located on your producer site. Foresters Strong Foundation Highlights January 2007 release

January 2007 Foresters Page 14 Foresters Strong Foundation 2007 Enhancements Launch 34 States launching January 22, 2007 AlaskaAlabamaArizona ArkansasConnecticutColorado District of ColumbiaDelawareGeorgia IowaIdahoIndiana KansasKentuckyLouisiana MaineMichiganMissouri North CarolinaNew MexicoNebraska New HampshireNorth DakotaOhio OklahomaRhode IslandSouth Carolina South DakotaTennesseeTexas VirginiaWisconsinWest Virginia Wyoming Previously selling 2005 release

Application form One stop shop

January 2007 Foresters Page 16 Application form Life insurance applications across the industry vary by shape, size, inclusion of supplemental forms and point of sale purpose Foresters life application: Is a one signature application Is a one stop shop for gathering all client information regardless of product Includes all rider pages and additional insured information gathering requirements Helps you gather client information that may be required to make a counter offer should your client not qualify for Simplified Issue product(s) Includes some of the supplemental forms required at point of sale, reducing the number of forms you need to carry, for example Temporary insurance agreement Authorization to obtain and disclose information form (HIPPA) And dont forget Foresters Strong Foundation Life Insurance Applications are Available for downloading/printing

Distribution support

January 2007 Foresters Page 18 Distribution Support NAA 4BIZ ( ) Updated Marketing Collateral Updated Premium Quote Calculator Updated Product Technical Guide

Foresters 130 years strong Build your business with Foresters Strong Foundation

January 2007 Foresters Page 20 A fraternal organization Every certificate issued is a new member Members are offered the opportunity to volunteer to support community activities and to participate in the governance of our organization Members are eligible for members benefits Assets over $4.5 billion Surplus $994 million Life insurance in force approximately $13 billion A (Excellent) financial strength rating by A.M. Best 130 years strong!

January 2007 Foresters Page 21 The Benefits of Membership Foresters Member Benefits* Critical Illness Member Benefit Terminal Illness Member Benefit Young Family Member Benefit Life Enhancement Member Benefit Competitive scholarships Orphan scholarship * Member Benefits may be changed or eliminated at any time. This is an overview only. Full product details, state variations & restrictions, and product availability can be located on your producer site.

January 2007 Foresters Page 22 Leveraging our fraternal uniqueness National sponsorships Childrens Miracle Network –Since 1990 invested over $17 million to help raise $180 million Prevent Child Abuse America International Radio-thon –159 hospitals/foundations held Radio-thons –260 radio station partners –Raised over $42 million Community involvement in 2005 Members and staff donated over 4.8 million volunteer hours Our volunteers raised $8 million for community partners Foresters contributed over $6 million at the local level