2. Foresters Permanent Line-up
Advantage Plus – Estate Preservation Non Par Wholelife – Wealth Transfer
1 Underwritten by The Independent Order of Foresters.
For advisor use only.

3. Participating and Non Participating
Product
Specs
Participating and Non Participating
Advantage Plus: (20 pay and pay to 100)
Fully guaranteed premiums, cash value and death benefits
Dividend rate – 6.2% (2016)
Free Children’s Insurance Benefit ($3,000)
Non Smoker Incentive
Non Par: (20 pay and pay to 100)
Single life, Joint First and Joint Last functionality

4. Case Study – Mr. and Mrs. Brumley
Brumley family, age 45, has accumulated $250,000 of wealth utilizing the IMAXX group of funds
Looking to protect what they have worked so hard to build
Estate preservation strategies
Portfolio will grow to $500,000 by age 65 at 5%
What options are best?

5. Individual Strategies – Advantage Plus
Estate Preservation
Individual Strategies – Advantage Plus
Male and Female Non-Smoker, Age 45, $250,000
Monthly Premium 20 Pay
Product
Male
Female
Enhanced Dividend Option (min)
$334.14
$267.72
PUAs dividend Option (max)
$719.33
$654.53
The clients can choose a premium between the min and max
First ranking in Lifeguide Sept 18, 2017

6. Individual Strategies – Advantage Plus
Estate Preservation
Individual Strategies – Advantage Plus
Male and Female Non-Smoker, Age 45, $250,000
Product – Enhanced Dividend
Male
Female
Cash Value
$87,455
$63,414
Death Benefit
$250,000
Product – PUAs Dividend
$164,723
$163,544
$414,730
$413,305

7. Joint Strategies – Non Par
Estate Preservation
Joint Strategies – Non Par
Male and Female Non-Smoker, Age 65, $500,000
Monthly Premiums
Product – Non Par
20 Pay
Pay to 100
JLTD
$1,260.45
$832.95
Cash Values – age 85
$177,000
$142,000
Death Benefit – age 85
$500,000
ETA – age 55

8. Participating account asset mix
Wholelife portfolio
Participating account asset mix
Fixed Income & Short Term
Value %
Canadian Government
$ 42,407,827
13.86%
Corporate Bonds
$ 130,659,859
42.71%
Other Government Bonds
$ 78,542,075
25.67%
Policy Loans/Other
$ 12,322,457
4.03%
Total Fixed Income
$ 263,932,218
86.27%
85% of participating account is invested in stable fixed income investments
Remainder of the portfolio is invested seasoned equities and core commercial real estate
Equities
Value %
$ ,717,882
8.08%
Real Estate
$ ,526,687
3.44%
Total Equities
$ 35,244,569
11.52%
Other assets
$ ,760,802
2.21%
Total Assets
$ 305,937,589
100.00%
For advisor use only.