Agenda Who is ForestersTM Foresters Advantages Product line-up

Agenda Who is ForestersTM Foresters Advantages Product line-up
Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark. US (08/12) Producer Use Only

I want a special insurance carrier

Who is Foresters Financial strength Fraternal nature
Community involvement US (08/12) Producer Use Only

Financial Strength Foresters financial strength, as measured by A. M. Best Company, is rated “A” (Excellent) and has been for the past 12 years. An "A" (Excellent) rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. In assigning Foresters rating on July 06, 2012, A.M. Best stated that the rating outlook is "stable", which means it is unlikely to change in the near future. See ambest.com for our latest ratings. US (08/12) Producer Use Only

Ratings and figures current as of Dec. 31, 2011
Financial Strength Foresters continues to maintain its strong financial position. Assets of $8.588 billion CDN and liabilities of $7.144 billion CDN. Foresters conservative investment strategy has resulted in a strong surplus of $1.444 billion CDN and the ability to withstand adverse business and market conditions. Solvency ratios are beyond the local regulatory requirements and above industry averages in all three countries of business. Ratings and figures current as of Dec. 31, 2011 US (08/12) Producer Use Only

A Difference Maker How are Fraternal Benefit Societies different from other life insurance carriers? Our customers are our members and apply for membership in the application Share a common bond Non Denominational Fraternal Concept: People helping People Not subject to tax – but Foresters is expected to spend the equivalent for the benefit of members and their communities US (08/12) Producer Use Only

A Difference Maker In 2011, over $48 million was raised for Children’s Miracle Network hospitals in the United States and Canada. Foresters role as founding sponsor and international underwriter of Children’s Miracle Network’s Radiothon means 100% of funds stayed in the community. Since 1990, Foresters has helped raise almost half a billion dollars for Children’s Miracle Network. US (08/12) Producer Use Only

Proof Points US (08/12) Producer Use Only US (10/11)

The Foresters Difference – Playground Builds
Since 2006, Foresters has built or planned nearly 100 KaBOOM! playgrounds, thanks to the volunteer efforts of Foresters members, independent producers and local community partners. These playgrounds will eventually serve over 1,000,000 children and families, providing them with a safe place to play, learn and spend time together across North America. US (08/12) Producer Use Only

Emergency Assistance Recent disaster relief granted by Foresters:
Seattle Flooding – January/09 Fargo/Bismarck Flooding – March/09 Mississippi Tornadoes – April/10 East Coast Hurricane Irene – August/11 Texas Wildfires – September/11 Florida Flooding – June/12 Colorado Wildfires – June/12 US (08/12) Producer Use Only

Foresters Advantages Illustration Requirements Process
Point-of-Sale (POS) Eligibility Benefits of Membership Training Support Foresters Sales Support Producer Convention US (08/12) Producer Use Only

Illustration Requirements
Foresters illustration process allows your producers to get paid faster on our illustrated products. If there are no certificate delivery requirements, other than obtaining a signed illustration, Foresters will now release compensation on certificates that are mailed direct to the client, provided that the prospective Owner has completed and signed an Illustration Certification Form (form US 05/11 or the applicable state variation). Not available in New York state (must produce signed illustration with application submission) US (08/12) Producer Use Only

How it works: Once the certificate is issued, the Certificate Issue Package will include: The illustration of the issued certificate An additional copy of the numeric summary page A postage-paid, self-addressed return envelope Instructions to the Owner US (08/12) Producer Use Only

How it works: The instructions will ask the certificate owner to review the illustration, sign the additional copy of the numeric summary page and return it to Foresters in the enclosed envelope. The producer’s signature is not required on the illustration using this method of delivery and compensation can be released once the certificate is mailed to the Owner. US (08/12) Producer Use Only

Mobile Quoting Access Foresters quotes for Lifefirst, Advantage Plus Whole Life and PlanRight products – right from your mobile phone. There is no "app" to download. You simply go to a regular website from your mobile browser, using any type of smart phone, whether it's an iPhone®, Blackberry®, iPad®, or Android® device. To access the new mobile quoting site, just point your browser to US (08/12) Producer Use Only

Decision Express Point of sale underwriting eligibility available on all non-med products Producers potentially get paid faster! Imagine a sale where the application process is easy and painless! Foresters has real-time eligibility decisions for our non-med SMART UL, Advantage Plus Whole Life, Term & PlanRight. US (07/12) Producer Use Only

Decision Express It's so easy.
Complete the application in full in your client's home While in your client's home, call Apptical at and follow the simple 15- to 20-minute process to determine your client's medical eligibility Send in the application (regardless of the decision) and all other applicable forms to Foresters US (07/12) Producer Use Only

Decision Express It's so easy.
If approved, we'll issue the certificate in as little as four business days for SMART UL, Whole Life and Term and two days for PlanRight Your producers get paid when we mail the certificate to your client Apptical provides fast, reliable service 7 days a week Monday to Friday, 8:30 am to Midnight (ET) Saturday and Sunday, 10:00 am to 4:00 pm (ET) US (07/12) Producer Use Only

Member Benefits Benefits available to all eligible insureds, as Foresters members: Competitive Scholarships Terminal Illness Loan Orphan Benefits Everyday Money Legal Link Foresters members include insureds under Foresters certificates. Members’ immediate family members may also be eligible to apply for certain member benefits. Foresters member benefits are non-contractual, subject to benefit-specific eligibility requirements and limitations, and may be changed or canceled without notice. US (07/12) Producer Use Only Let’s talk about the benefits that apply directly to the Member and their immediate family. Before we do, though, I’d like to make a few points about these Benefits. Many producers through the US talk about all these benefits with all their clients. They do this even though they know that not every benefit will apply to every client. However, they know that these benefits could apply to their clients’ families and friends – the people they care about, if they also had Foresters certificates. The producers who do this have told me that this benefit package has an immediate impact on their business. In fact, it helps them in three ways: When you work with a client and show them a Foresters product that meets their insurance needs and budget, the additional value the Member Benefits may provide can help them feel very good about purchasing that product from you. It helps them get referrals. When you talk about these benefits with your clients, even if the benefits don’t apply to that specific client, they start thinking about their friends and family and many times they will refer them to you to talk about Foresters, our mission, and life insurance products. It helps them protect their book of business. It is difficult for another producer to walk into the Member’s home and replace a Foresters life insurance product if the Member knows about the benefits and what they can offer. These are three great reasons that producers have told me that they like talking about Foresters benefits with all their clients. Let’s talk about them.

Terminal Illness Loan Not available in NY & IL or on accidental death products Interest-free loan Up to 75% of the net face amount of Foresters Life insurance up to a maximum of $250,000 Definition of terminal illness: Reasonable certainty of death within 12 months as determined by a legally qualified Physician who can provide medical proof satisfactory to Foresters US (08/12) Producer Use Only

Orphan Benefit Orphan monthly payment
$900 per month per child to age 18 The benefit starts one month after the child of a member becomes an orphan The benefit ends when the child reaches age 18, gets married, is self-supporting, receives a scholarship grant or leaves school US (08/12) Producer Use Only

Foresters Scholarships
Orphan Scholarship member benefit One parent - $1,500/year Single parent - $3,000/year Both parents - $6,000/year Renewable for up to 4 years Competitive Scholarship member benefit Up to 350 scholarships each year across North America $2,000 per year for up to 4 years US (08/12) Producer Use Only

Member Benefits For Helping Generations
Suppose two parents with three small children (turning ages 1, 3,and 5) pass away Foresters could pay death benefits Foresters would also pay the Orphan Benefit to the legal guardian of the orphaned children Member Benefit Benefit Amount Orphan Benefits Up to $486,000 Orphan Scholarship Up to $72,000 Total Benefits $558,000 Foresters members include insureds under Foresters certificates. Members’ immediate family members may also be eligible to apply for certain member benefits. Foresters member benefits are non-contractual, subject to benefit-specific eligibility requirements and limitations, and may be changed or canceled without notice. US (08/12) Producer Use Only Here is an example of how the Member Benefits could help three generations of one family. The insured member under a Foresters life insurance certificate gets to take advantage of their membership – don’t forget could get invited to free events, such as days at theme parks, movie premiers and sporting events – and have the peace of mind knowing they have protected their family with life insurance. If the Member is married and has three small children, turning ages 1, 3, and 5 and the worst happens – the Member and their spouse pass away – what would Foresters do? First, we would pay the death benefit payable– just like every other life insurance company would. Assuming benefit specific eligibly requirements are met then the Member Benefits would start to be paid. Appropriate forms will need to be filled out to obtain the orphan benefits and approximately one month after the death of the parents, the Member Benefits could start paying $900 per month per child to the legal guardian of the children up until each child turns 18. In this example, if the legal guardian is one of the childrens’ grandparents, that grandparent is receiving $2700 per month to help raise their three grandchildren. That grandparent gets the peace of mind of not having to worry about how they are going to raise another set of children. By the time the last child turns 18, Foresters would have provided up to $486,000 in additional benefits to the legal guardian. When the children are ready to go to college, Foresters could provide the Orphan Scholarship. Since both parents passed away, each child can receive $6,000 per year for up to four years to help pay for the cost of earning their first degree. If each child goes to college for four years and takes full advantage of this scholarship, that would be another $72,000 in benefits provided to the children. When you add it all up, Foresters, in this example, could provide an additional $558,000 because just one of the parents was a Foresters Member.

Everyday Money Toll-free and confidential phone-based financial helpline. This service may help reduce the stress involved with financial decision-making. This benefit is designed to help with other areas of a member’s financial life and will not involve the sale of, or recommendations on, any financial products. US (08/12) Producer Use Only

Legal Link Legal Link offers members access to free and discounted legal services in their area. Call to connect with lawyers from across North America for help with a variety of issues including wills, home ownership and family law. US (08/12) Producer Use Only

Prospecting Brochure US (08/12) Producer Use Only

Comprehensive Training
Dedicated training section on the producer website New Agent Webinars – every 3 weeks Product Webinars Special Topic Webinars Advanced marketing Point-of-Sale Eligibility Illustration support and processes Reinstate-with-Redate US (08/12) Producer Use Only

Advanced Marketing Do you have producers who are ready to expand into Advanced Markets? When you've got large, complex, or a unique case, call Foresters Advanced Marketing, we're here to help. Foresters Advanced Marketing department offers collateral marketing pieces that provide simple, summary explanations of advanced sales strategies, educational webinars and seminars and phone support for complex and large cases. US (08/12) Producer Use Only

Advanced Marketing US (08/12) Producer Use Only

Foresters Sales Support
“Live Voice” Illustration Support Navigate Foresters Product Inquiries Forms and collateral US (08/12) Producer Use Only

What does this mean to you?
A single point of contact with Foresters. A “live” voice for all your pre-sales questions. Assistance with running illustrations, ordering materials and navigating our website. Proactive outbound calls to keep producers informed on new materials, new products & concepts. US (08/12) Producer Use Only

Team support To deliver personalized service and sales support.
Dedicated internal wholesalers that provide agents with a prompt, accurate and efficient experience. Strive for one-call resolution on all pre-sales needs. US (08/12) Producer Use Only

Answering the call 1-866-466-7166 –Option 1
Monday to Friday-8:30 am-7pm EST Setting the standard in Sales Support! US (08/12) Producer Use Only

Destination 2013 – subject to eligibility requirements
Producer 78,000 Destination Credits and 12 new life cases - 1 invitation (+ guest) MGA 300,000 Destination Credits and must have a minimum of 1 downline qualifier. 1 invitation (+ guest). One additional invite (+ guest) for each 300K of Destination Credits up to maximum of 2 additional invites IMO 400,000 Destination Credits - 1 invitation (+ guest). One additional invite (+ guest) for each 400K of Destination Credits up to maximum of 4 additional invites Minimum Qualifications Interlaken, Switzerland May 22–28, 2013 US (08/12) Producer Use Only

Destination 2013 – subject to eligibility requirements
VIP Pre-Trip Bonus - Lake Como Producer 8 qualifiers MGA 1 qualifier IMO 3 qualifiers Top qualifiers will be eligible for a 3 day package at Lake Como prior to the main Destination 2013 trip. US (08/12) Producer Use Only

I want a competitive portfolio of products

Product Portfolio Non-med market Fully-Underwritten market
Lifefirst Level Term life Advantage Plus Par Whole Life SMART Universal Life Fully-Underwritten market Lifefirst Level Term Life Advantage Plus Whole Life Final Expense planning PlanRight Whole Life Insurance Niche markets Accidental Death Term Insurance US (08/12) Producer Use Only

Non-med limits Ages Lifefirst Maximum SMART UL Advantage Plus 0-15 $0
$150,000 15-18 $250,000 19-50 51-55 $200,000 56+ US (08/12) Producer Use Only

Foresters Advantage Plus Whole Life

Advantage Plus Whole Life
A participating whole life product which will provide for lifetime death benefit protection (up to age 121), guaranteed cash values and lifetime guaranteed premium* *Exception-Disability income coverage US (08/12) Producer Use Only Note – no notes.

Ages looking for long term cash value growth Ages looking for guaranteed premium* and a death benefit Middle Income Market Want lifetime life insurance protection (up to age 121) Want cash value accumulation potential Non-medical or medically underwritten plans *Exception-Disability income coverage US (08/12) Producer Use Only Who could be a good fit for participating whole life? People between the ages of For the people on the younger half of that spectrum, they have time. As most of you know, on average it takes years to start building significant cash value in a whole life certificate. That’s what the younger people have: time and health. They can lock in lower premiums because of their age and good health and also take advantage of the cash value accumulation. For the older people in that age group they may be more interested in the guaranteed death benefit and level premium. Either way, people ages can be a good fit for participating whole life products. Middle income market – that’s part of the reason we are non-medical up to $250,000. Most people are going to want smaller face amounts and this product can be a great fit for them. For those who have the resources and want to build significant cash value within their permanent life insurance we also have medically underwritten plans available.

Lifetime protection (to age 121) Guaranteed cash values Guaranteed lifetime premium* (to age 100) Customized coverage with valuable riders *Exception-Disability income coverage US (08/12) Producer Use Only Applicants who are approved for whole life can take advantage of those guarantees. Don’t forget that the insured person on a Foresters whole life certificate may also be able to take advantage of the Member Benefits.

Advantage Plus Whole Life Non-Medical Features
No blood No HOS No APS Optional Decision Express phone interview MIB Prescription History Build Tables 5’6” 259 lbs 5’7” 265 lbs 5’8” 274 lbs 5’9” 281 lbs 5’10” 292 lbs 5’11” 298 lbs US (08/12) Producer Use Only Whenever we talk about offering insurance on a non-medical basis at Foresters, this is what we mean: We don’t take any body fluids. There are no exams. You have the option to do a POS phone interview. Instead of body fluids or exams, we rely on the applicants answers to the questions on the application, an MIB, prescription history check and an underwriting review. We also look at their build. You can see an example of some of our build charts on the right. This is for male or female non-medical. Someone 5’11” could weigh up to 298 lbs and still qualify for Participating Whole Life on a non-medical basis, if we were just looking at their weight. US (03-11) For Producer Use Only

Insurance Classes Juvenile Tobacco Non-Tobacco Issue Ages & Face Amounts (age nearest) 0-15: $25,000 - $150,000 16-55: $25,000 - $250,000 56-70: $25,000 - $150,000 Underwriting Issued Standard up to and including Table 4 Decision Express Optional Point-of-Sale Underwriting Decisions US (08/12) Producer Use Only Let’s take a look at a couple of the details of the non-medical version. There are three insurances classes – juvenile, tobacco and non-tobacco. As you can see most issue ages can get up to $250,000 in coverage on a non-medical basis with a minimum face amount of $25,000. This product can be issued standard up to and including a Table 4 – if you are used to other companies’ terminology, that’s the same as a Table D or a If you aren’t familiar with this, it just means you don’t have to be in perfect health to be able to qualify.

Protection Benefits Family Health Benefit Rider Common Carrier Accidental Death Benefit Rider Living Benefits Disability Income Rider (Accident Only) Waiver of Premium Rider Extended Protection Children’s Term Rider Accidental Death Rider Guaranteed Insurability Rider Additional Protection 10-Year Term Rider 20-Year Term Rider Subject to state availability. US (08/12) Producer Use Only Foresters also offers a comprehensive rider suite.

Advantage Plus Whole Life Medically Underwritten Features
Issue Ages & Face Amounts (age nearest) Band 1 0-15: $150,001 - $499,999 16-55: $250,001 - $499,999 56-70: $150,001 - $499,999 71-85: $25,000 - $499,999 76-85: $100,000 - $499,999 (Preferred & Preferred Plus Classes) Band 2 $500,000 and up US (08/12) Producer Use Only When you look at the medically underwritten version you’ll notice there are more options. There are four non-tobacco and two tobacco classes. Also, there are two face amount bands. Take a look at seniors – you can offer this to seniors between the ages of with a $25,000 minimum. If you have a client issue ages who wants to apply for a preferred or preferred-plus class, they will have to do a minimum face amount of $100,000.

Insurance Classes Juvenile Non-Tobacco Non-Tobacco Plus Preferred Non-Tobacco Preferred Plus Non-Tobacco Tobacco Tobacco Plus US (08/12) Producer Use Only When you look at the medically underwritten version you’ll notice there are more options. There are four non-tobacco and two tobacco classes. Also, there are two face amount bands. Take a look at seniors – you can offer this to seniors between the ages of with a $25,000 minimum. If you have a client issue ages who wants to apply for a preferred or preferred-plus class, they will have to do a minimum face amount of $100,000.

Protection Benefits Family Health Benefit Rider Common Carrier Accidental Death Benefit Rider Living Benefits Disability Income Rider (Accident Only) Waiver of Premium Rider Extended Protection Children’s Term Rider Accidental Death Rider Guaranteed Insurability Rider Additional Protection 10-Year Term Rider 20-Year Term Rider Paid-up Additions Rider Subject to state availability. US (08/12) Producer Use Only Foresters also offers a comprehensive rider suite. Paid-up additions is also available on medically underwritten.

Advantage Plus Whole Life Premiums and Payment Options
Premium Modes Monthly: $25.00 minimum (PAC only) Quarterly: $75.00 minimum Semi-Annually: $ minimum Annual: $ minimum Certificate Fee (fully commissionable) Monthly: $6.30 Quarterly: $18.72 Semi-Annual: $36.72 Annual: $72.00 Payment Options 20 pay Pay to 100 US (08/12) Producer Use Only Let’s talk premiums. There are four premium modes available on Foresters Whole Life. If your client chooses a monthly premium, Foresters can draft their premium out of a checking or savings account. If your client chooses quarterly, semi-annually or annual, they can have payments drafted from a checking or savings account, or we can send them a bill, which they can pay with a check. The certificate fee is fully commissionable.

Advantage Plus Whole Life Loans & Dividend Options
(non-direct recognition) Available up to cash surrender value at the end of the current certificate year Current US variable loan rates (currently 5.0%)* Contractual Dividends Paid-up Additions (default) On deposit with interest (minimum 3.5% guarantee) Reduce Premiums Paid in Cash *Loan rates are variable. Loan rates current as of July 18th, 2012. US (08/12) Producer Use Only Loans at Foresters are non-direct recognition – this means that if your client takes a loan on their certificate, future dividends are not impacted by the loan. Speaking of dividends, there are four dividend options. Paid-up Additions is the default and is common with whole life products in the industry. If Foresters declares a dividend, it is added to the certificate as a paid-up addition unless another option was elected. For example, if I have a $100,000 Foresters Participating Whole Life certificate and Foresters declares a dividend, that dividend may be enough to buy me an additional $5,000 in coverage. If it is, my new death benefit would be $105,000. Because whole life endows at age 121, now my cash value is building towards an endowment value of $105,000. Since this is greater than the $100,000 it was building towards, that means my cash value will grow faster. On deposit with interest is also available. Currently Foresters is paying 4.00% interest with a minimum guarantee of 3.5%. Be careful when you run illustrations with this. If you compare this illustration to one with paid-up additions, this may appear to generate more cash value. However, this generates a 1099 each year. If you are discussing cash values with your client, you’ll want to make sure you take into account the tax implications of leaving the money on deposit with interest. Reducing premiums. If this option is selected and Foresters declares a dividend, Foresters will apply the dividend towards your client’s premium, reducing the amount they would have to pay. The last option is paid in cash. If we declare a dividend, we send the certificate owner a check.

Additional Protection Paid-Up Additions Rider Contents: Paid-Up Additions Rider Basics Underwriting & Face Amounts Payment Structure Changes

Advantage Plus Whole Life Paid-up Additions Rider – Basic Rider Information
Benefit Purchase paid-up additional life insurance that endows at age 121 Issue Ages (age nearest) 18-70 Rider Effective Date Flexible Payments: certificate anniversary of the base certificate Single Payments: based on a monthly anniversary of the base certificate Basis of Computation 2001 CSO Ultimate Mortality Table at 4% interest Loads/Fees 6% on every payment Subject to state availability and variations. US (08/12) Producer Use Only This rider provides flexibility to purchase Paid-up additional insurance. Payments can be “flexible” regular payments or “single” payments. This rider is available on medically underwritten certificates only. Line 1: The paid-up additions rider allows for the purchase of paid-up additional life insurance that endows at age 121. Line 2: Issue ages, on an age nearest basis, are 18-70 Line 3: Flexible Payments: The PUA Rider must have a rider effective date on a certificate anniversary of the base certificate currently (can be added off anniversary but the effective date must be the previous certificate anniversary). Single Payments: The PUA Rider must have a rider effective date on a monthly anniversary of the base certificate. Line 4: The basis of computation is the 2001 CSO Ultimate Mortality Table at 4% interest. Sex distinct, smoker distinct and age-nearest birthday. NSP varies by gender and insurance class (ie smoker or non-smoker only). It does not vary by face amount or preferred insurance classes. Line 5: There is a 6% charge on every flexible and single payment received, including internal and external rollovers.

Advantage Plus Whole Life Paid-up Additions Rider – Basic Rider Information
Rider Options Flexible Payments Single Payments Rider Dividend Matches Advantage Plus dividend option Automatic Premium Loan/Reduced Paid Up If Advantage Plus on APL, the rider is terminated Withdrawing Paid-Up Additions May be partially surrendered or in full On Waiver or Disability PUA purchases allowed Payments not waived US (08/12) Producer Use Only Line 1: Flexible Payments: Payments may be made off the monthly anniversaries. Payments buy whole life insurance at the time it is accepted. The amount of insurance purchased with each payment equals the net actual payment divided by the Net Single Premium factor at an interpolated age (based on ANB on Rider anniversaries) at the time each payment is accepted. Interpolation uses a 365 day year. Single Payments: The single payment buys whole life insurance at the time it is accepted. The amount of insurance purchased with the single payment equals the net actual payment divided by the Net Single Premium factor at the ANB on the rider add (not interpolated) at the time each payment is applied. Line 2: The dividend option of the PUA rider will be the same as the Advantage Plus base plan dividend option. All PUAs purchased off certificate anniversaries receive a pro-rata first dividend at the next certificate anniversary, based on the number of days they are in effect. In all subsequent years they will be credited a full dividend on the certificate anniversary, if one is declared for that year. PUA dividend rates will be different from the Advantage Plus base plan dividend rates. Line 3: If the base plan is on the automatic premium loan (premiums being paid by loan) then payments may not be paid into the PUA Rider and billing must be turned off. The owner will not be billed for the PUA rider and the rider is terminated and would have to be reinstated. If the base certificate becomes Reduced Paid-Up, payments can no longer be remitted. The cash values of the PUAs purchased by the PUAR will be used toward the total cash value used to determine the reduced paid up (RPU) amount for the base. Line 4: The entire accumulated total of paid-up additions under the base plan and a PUA rider or a portion thereof may be withdrawn. If all or a portion of the PUAs are surrendered it will not affect the ability to continue to make payments into the flexible payment rider. Certificate holders may request a partial surrender based on our administrative rules at the time of the request which are currently: a maximum of four partial surrenders per certificate year; at least $500 of cash value must be surrendered; that part of any cash value that is security for a loan may not be surrendered; the death benefit related to the paid-up additions will be reduced to the amount the remaining cash value will purchase when applied as a net single premium. If the cash value is less than $500, full surrender is allowed. There are currently no fees for withdrawals or surrenders. Line 5: PUA Rider can added subject to underwriting and payments can be made into the PUA rider if the insured is on waiver and/or receiving disability payments. PUA payments are not waived and the owner will not be billed for the PUA rider.

Advantage Plus Whole Life Paid-up Additions Rider – Underwriting/Face Amounts
Insurance Classes (not available on sub-standard) Tobacco Non-Tobacco Sub-Standard Classes Not available Minimum Insurance Coverage for Base Certificate plus term 10yr or 20yr rider $250,001 (issue ages 18-55) $150,001 (issue ages 56-70) Maximum Insurance Coverage Subject to underwriting rules US (08/12) Producer Use Only Line 1: Because Advantage Plus has multiple insurance classes, any non-tobacco class (non-tobacco, non-tobacco plus, preferred non-tobacco or preferred plus non-tobacco) will be classed as non-tobacco for the Paid-Up Additions Rider. Any tobacco class (tobacco or tobacco plus) will be classed as tobacco for the Paid-Up Additions Rider. If the rider is added after issue, the insurance class may be different from the base certificate. PUA rider is not available on any sub-standard risks. Line 2: Sub-Standard classes are not available on the PUA rider. Line 3: The PUA Rider is offered on medically underwritten basis only, provided that the base Advantage Plus face amount plus the term 10 or term 20 rider coverage amount is greater than the medically underwritten minimums of the Advantage base plan. The minimums are $250,001 for issue ages or $150,001 for issue ages Line 4: The maximum coverage amounts are calculated and are subject to the maximum underwriting rules.

Underwriting Age & Amount Tables Age at Rider Effective Date (ANB)
Advantage Plus Whole Life Paid-up Additions Rider – Underwriting/Face Amounts Underwriting Age & Amount Tables Age at Rider Effective Date (ANB) Flexible PUA Factor Single PUA Factor 18-35 15.0 6.0 36-50 10.0 3.0 51-70 5.0 2.0 US (08/12) Producer Use Only The applicant stipulates the flexible modal payment they plan to pay for the PUA rider, as well as a maximum annual payment amount they wish to be underwritten for. Applications are underwritten on an insurance amount determined by the table of factors shown on this slide. Depending on the age at the rider effective date, the applicant’s applied for maximum annual payment amount is multiplied by the appropriate factor to determine age and amount requirements. The expense load is not deducted from the payment when determining this amount. Any increase to this flexible payment will require underwriting on the amount in excess of any previously approved amounts. This will result in a new flexible rider being issued and the current rider will end.

Advantage Plus Whole Life Paid-up Additions Rider – Payments
Payment Types Single Payment Flexible Payment Flexible Payment Termination Date/Period Payments made until the earlier of certificate anniversary nearest age 80 or 25 certificate years after rider effective date Flexible Payment Rider Minimum Billing Payments Monthly: $50 Quarterly: $150 Semi-Annual: $300 Annual: $600 Single Payment Rider Minimum Payments $600 US (08/12) Producer Use Only Line 1: Both Single Payments and Flexible Payments riders are allowed. Line 2: Payments may be made up to the earlier of the certificate anniversary nearest age 80 or 25 certificate years after the rider effective date. A new rider may be applied for after the 25 years (and is subject to underwriting) if then offered by us. Line 3: Each payment must be at least $50 (regardless of mode), however, billing will be set up based on modal minimums. Each flexible payment rider is issued with a maximum annual payment amount (applied for and subject to underwriting approval) that applies for the first 10 years. At the 10th anniversary if the total payment is less then that amount allowed, the maximum annual payment amount will be reduce to equal the annual average of the actual payments accepted under the rider during the first 10 years. Line 4: The single payment rider minimum premiums is $600.

Advantage Plus Whole Life Paid-up Additions Rider - Payments
Maximum Lifetime Payments (contractual) $1 million per insured Maximum Annual Payments (contractual) Underwritten approved maximum annual payment Maximum Annual Payments (non-contractual) $100,000 per insured US (08/12) Producer Use Only Line 1: For Single and Flexible Paid-Up Additions, the maximum lifetime payment amount is $1 million per insured under all Paid-Up Additions coverage (single & flexible). Line 2: The maximum annual payment amount (per year) for the flexible payment rider is based on the underwritten approved maximum annual payment per rider. Available on flexible PUAR only. Line 3: The current maximum annual payment amount (non-contractual) across all certificates issued by Foresters is $100,000 per insured. This is for Single and Flexible payments.

Advantage Plus Whole Life Paid-Up Additions Rider - Payments
Number of Single Payment Riders Unlimited Payment Modes Monthly Quarterly Semi-Annual Annual 1035 Exchanges Allowed (Single Payment Rider Only) US (08/12) Producer Use Only Line 1: Unlimited number of single payment riders allowed per certificate and each individual rider subject to underwriting approval on each individual payment and applicable maximums. Line 2: Flexible payments is currently billed in monthly, quarterly, semi-annual or annual. If the mode is monthly, then flexible payment method must be PAC. Flexible payments are billed together with the Advantage Plus premium if the mode is monthly, quarterly, or semi-annual. Flexible payment mode can differ from Advantage Plus mode if PUAR mode is annual. Flexible billed amounts can be modified only upon request from the owner. Line 3: These are allowed and are subject to underwriting approval. These will be set up as a single PUAR version. The 1035 exchange may be returned to the previous company or the owner if not accepted by the company if the actual amount of the rollover is significantly higher than the amount underwritten for Exchanges are only allowed for new issues (i.e. PUAR must be selected at the point of sale for the base Advantage Plus certificate) Exchanges cannot be used to fund the base Advantage Plus certificate.

Advantage Plus Whole Life Paid-Up Additions Rider – Changes*
Adding Rider Allowed after issue Increasing Rider Increasing payment amount not allowed Insurance Class Changes Allowed *Based on administrative rules and requirement at time of request, subject to change. US (08/12) Producer Use Only Line 1: PUAR can be added after base plan issue date, subject to UW approval. Line 2: Increasing the maximum annual payment amount under an existing PUAR is not allowed. Subject to UW approval a new PUAR will be issued with the higher payment amount and the existing rider will be cancelled as of the issue date of the new rider. Line 3: Tobacco can be changed to standard non-tobacco class (subject to UW approval) on PUA rider. Death Benefit under non-tobacco basis remains the same as under tobacco basis at the time of change. The excess cash value of the PUA is forced out, as with inside additions on the base Advantage Plus plan.

Why Foresters Whole Life Insurance?
Competitive Comparison – Non-Medical This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. US (08/12) Producer Use Only

Why Foresters Whole Life Insurance?
Competitive Comparison - Fully Underwritten This comparison is based on Foresters Whole Life insurance rates as of June 2011 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of May 11, Premiums are calculated on a level basis, payable to age 100, and assume the applicant has been underwritten and qualified for the classification above. The comparison assumes base coverage only with no additional riders, and all premiums are paid when due. The cash values are guaranteed cash values only, and do not include any non-guaranteed dividends. US (08/12) Producer Use Only

US (09/12) For Producer Use Only We have great materials to support you working with whole life. I’d recommend you get copies of all four of these items by calling our Sales Desk today. Foresters Underwriting Guide has build charts, submission criteria, medications, medical definitions and employment definitions – it’s a great resource. Foresters Prospecting Brochure will be great for your clients to understand the value of Foresters Member Benefits. We have two great brochures for clients – the first is a tri-fold brochure and the second is a “Worksheet Brochure.” You’re seeing page 2 of the worksheet brochure, which has two columns. The first column is the product and riders, the second is the Benefits of Membership. That way, you can review the entire Foresters value with your clients and leave it behind in an easy-to-read guide. Some producers use it as a checklist. We get a lot of great feedback on this piece.

Foresters SMART Universal Life

SMART UL A flexible universal life product that offers lifetime insurance protection, non-medical underwriting and potential for cash value accumulation. US (08/12) Producer Use Only

Target Market Ages 30-50 Middle Income Market
Looking for lifetime life insurance protection Clients who don’t want to go through the hassles of full underwriting Looking for cash value accumulation potential US (08/12) Producer Use Only US (10/11) 68 68

Why SMART UL? Offers the security of lifetime coverage
No medical exams (up to $250,000) Simple application process Customized coverage with valuable riders Flexible coverage Competitive rates US (08/12) Producer Use Only

At a Glance 0-70 (Age Nearest Birthday) $25,000 Non-Tobacco Tobacco
Issue Ages 0-70 (Age Nearest Birthday) Face Amount Minimum $25,000 Underwriting Classes (Non-Medical) Non-Tobacco Tobacco Juvenile (Issue age 0-15) Minimum guaranteed interest rate 3% Premium payment options Life Pay Quick Pay guaranteed interest rate) Death Benefit Option Level Increasing US (08/12) Producer Use Only No Ratings (Accept/Decline basis) up to table D (+100) 70 70

At a Glance Face amount Issue Age 0-15: $25K-$150K
Minimum modal premium requirements $25 Monthly $75 Quarterly $150 Semi-Annual $300 Annual Surrender charges Decreasing charge for 15 certificate years Premium expense charge 6% of premiums paid in the first 20 certificate years Monthly administration deduction $12 US (08/12) Producer Use Only 71 71

At a Glance Definition of Life Insurance Test Options
Guideline Premium Test (GPT) Cash Value Accumulation Test (CVAT) Premium Payable to age 100 Grace Period 61 days from the due date of the monthly deduction in default Reinstatements Can be reinstated within 3 years of the date of lapse, subject to conditions US (08/12) Producer Use Only 72 72

Why SMART UL? Male N/S 55, $100,000, Premium $2,600
Current Int. Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Tgt Prem. Sec. Gte Sec Gte ANICO Executive UL 5.00% 6,815 19,597 57,255 113,711 211,911 1,665 10 years 1,332 Americo LifeCrest 6,776 19,115 54,502 107,776 205,657 2,395 20 years 1,436 LSW Horizon UL 6.00% 5,624 17,439 52,005 115,752 231,858 3,004 15 years 1,692 John Hancock Life Protection UL 11 5.20% 7,941 19,180 45,917 91,315 179,894 1,764 1,667 Foresters SMARTUL (Non Med) 5.90% 6,936 20,112 57,411 125,591 241,370 1,951 1,534 AA Easy UL 4.00% 8,969 23,090 55,153 96,232 163,463 2,127 1,636 50 percentile 5.10% 6,877 19,389 54,828 110,744 208,284 2,039 1,585 Smart UL Rank 3 2 1 Sources: Individual company software as of June 3, 2011 US (08/12) Producer Use Only

Lifetime Advantage Plus
Why SMART UL? Female N/S 55, $250,000, Premium $6,500 Current Int. Rate CSV at year 5 CSV at year 10 CSV at year 20 CSV at year 30 CSV at year 40 Target Prem. Sec. Gte Sec Gte ANICO Executive UL 5.00% 20,091 53,851 144,282 295,851 548,440 3,313 10 years 2,650 Americo LifeCrest 20,542 55,423 145,360 301,234 567,666 4,488 20 years 2,323 LSW Horizon UL 6.00% 17,715 51,551 143,057 320,209 632,926 6,383 15 years 3,552 John Hancock Life Protection UL 11 5.20% 23,557 56,052 143,634 306,059 581,850 3,343 3,157 Foresters SMARTUL (Non Med) 5.90% 20,954 57,925 163,420 360,904 691,607 3,678 3,358 West Coast Life Lifetime Advantage Plus 5.40% 18,905 53,600 152,577 315,883 574,058 3,790 1,945 50 percentile 5.10% 20,317 54,637 144,821 310,971 577,954 3,734 2,904 Smart UL Rank 2 1 Sources: Individual company software as of June 3, 2011 US (08/12) Producer Use Only

Consumer Brochure US (08/12) Producer Use Only

Consumer Worksheet US (08/12) Producer Use Only

Foresters Lifefirst Level Term Life Insurance

Target Market Ages 25-55 Americans looking for temporary life insurance for needs, such as mortgage or income protection, at an affordable price Clients who don’t want to go through the hassles of full underwriting Looking for personal protection from total disability and certain critical illnesses US (08/12) Producer Use Only 78 78

Why Lifefirst Level Term Life?
Offers affordable coverage No medical exams (up to $250,000) Simple application process Customized coverage with valuable riders Built in value added protection Living benefits US (08/12) Producer Use Only US (10/11)

At a Glance 10-year 20-year Non-Tobacco Non-Medical & Medical Tobacco
Types 10-year 20-year Underwriting Classes (Non-Medical) Non-Tobacco Tobacco Issue Ages Non-Medical & Medical Non-Tobacco Tobacco 10-year: 18 to to 80 20-year: 18 to to 60 (10-year is not available on Non-Medical basis) Death Benefit Level (reduced by loan or Critical Illness Rider benefits paid) Convertible Before the earlier of age 65 or 5 years prior to the end of the initial term. US (08/12) Producer Use Only No Ratings (Accept/Decline basis) up to table D (+100) 80 80

At a Glance Face amount Ages Non-Medical Medical
18-50: $50,000 - $250, $250,001 & up 51-55: $50,000 - $200, $200,001 & up 56+: $50,000 - $150, $150,001 & up Over $10,000,000 subject to head office approval. Minimum modal premium requirements $25 Monthly $75 Quarterly $150 Semi-Annual $300 Annual Underwriting Classes Non-Medical Medical Non-Tobacco Preferred Plus Non-Tobacco Tobacco Preferred Non-Tobacco Non-Tobacco Plus Non-Tobacco Tobacco Plus Tobacco US (08/12) Producer Use Only 81 81

At a Glance Underwriting Issued standard to table 4 Premiums
Guaranteed and level premiums for the entire initial term for the base certificate. After the initial term period, the certificate may be continued at annual renewable rates to the certificate anniversary nearest age 100. Certificate Fees Non-Medical: $6.20/monthly, $18.61/quarterly, $36.50/semi-annually, $70/annually Medical: $6.20/monthly, $18.61/quarterly, $36.05/semi-annually, $70/annually Modal Factors Monthly: , Quarterly: , Semi-annually: , Annually: 1 US (08/12) Producer Use Only 82 82

Why Lifefirst? $100,000, 20-year term, Non-medical with no riders Male Std Ranking Female Std Age 50 Non-Tobacco Non Tobacco Foresters – Lifefirst 20 year (Rates effective September 12, 2011) $60.19 2 $55.67 AG – Ultra Mortgage Complete 20 year $63.44 4 5 Americo – Home Mortgage Series 20 year $78.66 7 8 Fidelity Life – Rapid Decision Term 20 $63.25 3 $43.94 1 ING – HomeGuard Plus Term 20 $75.00 6 Stonebridge – Simplified Issue Term 20 $57.25 United Home Life – Express Issue term 20 $84.44 $57.85 United of Omaha – Term Life Express 20 year $72.36 $68.26 Sources: AG Producer Guide v10/08, ING HomeGuard Term Rate Card 11/09, Cited with permission of Compulife® (as of January 13, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. US (08/12) Producer Use Only US (01/11) US (10/11)

Female Preferred Non-Tobacco
Competitive Premiums Why Lifefirst? $300,000, 20-year term, medical with no riders Age 45 Male Preferred Non-Tobacco Ranking Female Preferred Non-Tobacco Lifefirst 20 Year (Rates effective September 2011) $46.63 4 $37.05 5 AG – Select-a-Term 20 $41.83 2 $34.74 ANICO – Select 20 $55.21 8 $43.03 7 Banner – OPTerm 20 $41.13 1 $33.51 Lincoln Benefit – TrueTerm 20 Year $63.26 11 $55.13 ING – TermSmart 20 $42.70 3 $34.83 Sagicor – Platinum Series 20 $59.54 10 $48.31 Stonebridge - Stonebridge Term 20 year $49.61 $47.78 9 Symetra – 20 year Level Term $58.71 $45.06 Transamerica – Champion Term II 30 $46.73 6 $36.49 United of Omaha - Term Life Answers 20 $46.68 $39.20 Source: Cited with permission of Compulife® (as of January 13, 2012). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. US (08/12) Producer Use Only US (10/11)

Consumer Worksheet US (08/12) Producer Use Only

Foresters PlanRight Whole Life

PlanRight A non-participating whole life product designed to provide for death benefits and premiums as a way to help people pay for the cost of their final expenses US (08/12) Producer Use Only Note – no notes.

PlanRight Whole Life U.S. population age 65 and over is expected to double in the next 25 years By 2030 almost one out of five Americans (some 72 million people) will be 65 years or older According to the National Funeral Directors Association, the average cost of a funeral in 2010 was $7,755 Sources: US (08/12) Producer Use Only The US population is aging. In the next 20 years over 70 million Americans will be age 65 or older. When you think about most seniors they have two things in common. First, they want to stay as financially independent as possible for as long as possible. Second, they want to make sure they don’t leave “mess” behind when they pass away. PlanRight is designed to help the family with both of those goals. First, it’s affordable. We’ll show you some pricing competition so you can see exactly what we’re talking about. Second, it is designed to help pay for the cost of the client’s final expenses. That way the insured person doesn’t leave their heirs stuck with a funeral bill. How much do funerals cost? According to the National Funeral Directors Association, the average cost of a funeral in 2010 was $7,755. However, that just includes basics such as a vault, embalming and the casket. It does not include many of the costs traditionally associated with a funeral, such as flowers, donations to the place of worship, transporting the remains or other costs. There are other, hidden, costs associated with death that many people forget or may be unaware of. First is probate expenses. Make sure your clients know about legal link and, if they don’t take advantage of the discounts offered by Legal Club of America, at least get the free simple will and keep it updated. That can save thousands in probate costs. Second is real estate. If the person who died is leaving a home that has not been updated in 30 years, how long will it take to sell? In most parts of the US today the real estate market is flat at best. The heirs may be left paying for upgrades, repairs to bring the house up to code, real estate taxes and probably utilities. Those are expenses that can add up in a hurry. Make sure your client is considering those costs as part of their final expense plan.

PlanRight Whole Life Quick Application Process – no medical exam, no blood profiles, no HOS Quick Underwriting – Producers will know medical eligibility prior to leaving client’s home Quick Issue - Quick Pay in your pocket Face amounts - from $2,000 to $35,000 US (08/12) Producer Use Only PlanRight is an easy product to work with. It is a fast application process – there are no medical exams, blood profiles or urine samples drawn. Underwriting is fast and easy – you will know what your client is eligible to apply for before you leave the client’s home. Because the application and underwriting are so quick and easy, that means we can issue it quickly. We issue most Planright applications in within days of receipt. That means you get paid quickly. Face amounts can range anywhere from $2,000 to $35,000 so you can fit this into just about anyone’s budget.

PlanRight Whole Life – Benefits in 1st, 2nd and Later Years
Level Death Benefit (Based on 100% of the Face Amount*) Graded Death Benefit (Based on greater of: Year 1: 30% of face amount; or ROP + 4.5% interest Year 2: 70% of face amount; or ROP + 4.5% interest Year 3: 100%*) Modified Death Benefit (Based on ROP+10% in years 1 and 2, 100% of the face amount from year 3+*) *Applicable amount plus unearned premium minus certificate debt such as loans. Issue Age (ALB) Face Amounts yrs $2,000 - $35,000 yrs $2,000 - $15,000 Issue Age (ALB) Face Amounts yrs $2,000 - $20,000 yrs $2,000 - $10,000 Issue Age (ALB) Face Amounts yrs $2,000 - $15,000 yrs Not Available Subject to state availability. US (08/12) Producer Use Only There are state variations to this product, so please be sure to check them before selling. In most states there are three versions of the product available for sale – the level, graded and modified death benefits. Level – if the insured passes away at any point, the death benefit payable will be based on 100% of the face amount starting right away in year 1. Graded – this is for the client who has some health issues. If the insured passes away in years 1 or 2, the death benefit payable would be based on the greater of: ROP + 4.5% interest; or 30% of the face amount in year 1; 70% of the face amount in year 2 Modified – this is for the client who has poor health. If the insured passes away at any point in year one or two, the payable death benefit is based on their premium paid plus 10% interest. If they pass away after year 2, the death benefit is based on 100% of the face amount. Also, in the first two years the insurance is in effect, Foresters death benefit payable is based on 100% of the face amount if the death is accidental, even on graded or modified cases. The insured person must die as a result of accidental bodily injury, within 180 days of the accident.

PlanRight Whole Life Accidental Death Provision
Availability PlanRight Graded & Modified during the first two years the certificate is in effect Benefit for Accidental Death Face amount in effect on date of death of insured, plus Unearned Premiums, minus Debt Accidental Death Definition Death caused by an accidental bodily injury, directly and independently from all other causes Accidental Death Period Death occurs within 180 days of accidental bodily injury Subject to state availability. US (08/12) Producer Use Only Offered at no additional charge. US (03-11) For Producer Use Only

PlanRight Whole Life Premiums Age Last Birthday
Rates for Males/Females and Non-Tobacco/Tobacco No Banding Commissionable Certificate Fee: $36 Annual, Semi-annual, Quarterly and Monthly modes One application for all 3 plans US (08/12) Producer Use Only The premiums are easy for your client to understand. This is an age last product – just put down the age they are today on the application. The rates are easy for them to understand – they are male/female and tobacco/non-tobacco. There is no banding and the certificate fee is commissionable. The initial premium needs to come from a draft out of checking or savings or from a personal check. Finally, although PlanRight is three products in one, there is one application. That way you don’t have to learn how to apply for three different products.

PlanRight Whole Life Riders
Built-In Protection Common Carrier Accidental Death Benefit Rider Extended Protection Accidental Death Rider (Level Plan Only) Subject to state availability. US (08/12) Producer Use Only PlanRight offers two riders in most states. The Common Carrier Accidental Death Benefit can provide an additional death benefit of up to 2 times the face amount if the insured dies as a result of an accident that occurred while the insured was a fare paying passenger on a common carrier. Death must occur within 180 days of the accident. A common carrier is a plane, train, bus – something with an established route that requires a paid ticket. For example, if the insured has a $25,000 PlanRight certificate and dies while as a fare paying passenger in a plane crash, the amount payable would be based on the PlanRight face of $25,000 plus the Common Carrier Accidental Death Benefit Rider could pay up to $50,000. The total death benefit could be $75,000. There is also an Accidental Death Rider that can be purchased. It can add up to $35,000 of additional protection if the insured dies as a result of an accidental death caused by an accidental bodily injury within 180 days of the injury. This is available with the PlanRight Level plan only.

PlanRight Whole Life Common Carrier Accidental Death Benefit Rider
Availability Insured Issue Ages 50-85 Benefit Provides a death benefit of up to two times the face amount to a maximum of $300,000, if the insured dies of an accidental bodily injury that occurred while riding as a fare-paying passenger on a common carrier Accidental Death Definition Death caused by an accidental injury, directly and independently from all other causes Accidental Death Period Death occurs within 180 days of accidental bodily injury Subject to state availability. US (08/12) Producer Use Only Offered at no additional charge. Example: A 55 year old purchases a PlanRight with a $25,000 face amount and is the insured person. If the insured dies of an accidental bodily injury that occurred while riding as a fare-paying passenger on a common carrier, the CCADR could provide up to a $50,000 death benefit. PlanRight death benefit payable would be based on the $25,000 face amount. Total death benefit payable to beneficiary could be up to $75,000. US (03-11) For Producer Use Only

PlanRight Whole Life Accidental Death Benefit Rider
Availability PlanRight Level Insured Issue Ages 50-85 Benefit Provides additional coverage in event of accidental death, caused by accidental bodily injury and death occurs within 180 days of the injury. Issue Amount Minimum: $2,000 Maximum: 100% of face amount Expiry Date Certificate anniversary on which the insured is age 121 Subject to state availability. US (08/12) Producer Use Only Offered at additional charge. Maximum death benefit is subject to a maximum of $300,000 accidental death benefit coverage across all foresters products. US (03-11) For Producer Use Only

PlanRight Whole Life Real-Time Underwriting
Supported by Apptical Fast, reliable service Focus on the sale not the underwriting process Know the client’s medical eligibility before leaving the client’s home US (08/12) Producer Use Only What makes the PlanRight underwriting so fast? We use Apptical to provide you with a Personal Health Inspection at the point of sale. The Personal Health Inspection is, on average, a 12 minute phone call. During that phone call, Apptical uses the applicant’s answers on the application, an MIB check and a Prescription History check to determine the applicant’s medical eligibility to apply. That means that you can focus on the sale and not the underwriting process! You’ll also know what your client is medically eligible to apply for before leaving the client’s home.

PlanRight Whole Life Process
Complete the application Call Apptical for Personal Health Interview (PHI) MIB and Prescription Checks will be performed on all applications Medical eligibility based on application and telephone interview results Fax or mail-in application US (08/12) Producer Use Only PlanRight uses a four-step process. Fill out the application. The reason is because we need the client’s permission to do the MIB and Prescription History checks. The signed application is the proof we need that they gave us that permission. Then call Apptical. They will ask you a few basic questions – such as your name, producer number – and a few basic questions about the client. Then they’ll ask to talk to the client. While on the phone, they’ll confirm your client’s answers to the questions on the application. While they are doing that, they will run the MIB and Prescription History checks. This is the 12-minute phone call I mentioned. When they are done, they’ll ask the client to hand the phone back to you. The Apptical interviewer will tell you what the client medically qualifies to apply for. That way you get to have the conversation about eligibility with your client – not the Apptical interviewer. Then just submit the application. An easy, four-step process.

PlanRight Whole Life Process
In order for you to continue with the Point-of-Sale process for PlanRight, all applications must be submitted to Foresters within 10 business days after a call has been placed wtih Apptical, regardless of the outcome. US (08/12) Producer Use Only One last note, even if your client is declined, be sure to send in the application. That’s why we ask you to have the client sign it first. Legally both Foresters and you as an insurance producer must have a signed application as proof that the client gave us permission to run the MIB and Prescription History checks. If we don’t get that signed application within 10 business days, we’ll have to eliminate your ability to use the POS process. We don’t want to do that, though, so we’ll call and you to try to get a hold of you and get a copy of that application. Unfortunately, if, at the end of 10 business days from the interview, we don’t have that signed application, we’ll have to eliminate your ability to use this process. So please just send it in.

PlanRight Whole Life Male Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums Age Foresters Americo Assurity Columbian Monumental United Home Life 50 30.08 32.06 28.82 29.17 28.80 28.95 55 36.17 35.70 34.28 33.37 36.30 34.91 60 44.16 43.68 41.65 44.83 44.10 44.09 65 52.72 55.20 53.87 55.70 57.50 56.46 70 69.58 72.93 73.05 73.54 76.00 80.71 75 96.88 99.51 100.55 98.22 100.00 122.52 80 138.74 145.65 155.57 141.83 127.70 168.93 85 191.52 200.14 N/A 195.54 174.40 Data in the comparison is based on information available believed to be current as of July 2012, but is subject to change. Not all products are available in all states. Assumes no optional coverages. US (08/12) Producer Use Only We’ve talked about PlanRight and the flexibility of being three products in one, we’ve talked about face amounts and issue ages that give you the ability to cover just about anyone within those issue ages, and we’ve talked about how easy it is to write and you know what your client is medically eligible to qualify for before you leave the client’s home. Let’s take a look at pricing.... You can see that PlanRight offers some of the most competitive pricing in the industry today. This slide has male pricing.

PlanRight Whole Life Female Non-Tobacco - $10K - Whole Life - Level Plan Type, Monthly Premiums Age Foresters Americo Assurity Columbian Monumental United Home Life 50 23.10 24.56 25.48 24.38 24.40 23.23 55 28.40 27.73 29.37 28.44 29.40 27.53 60 34.62 33.93 34.74 35.69 34.00 33.22 65 41.90 42.80 44.03 43.52 42.30 40.83 70 52.29 53.43 56.41 54.83 55.00 55.38 75 72.31 72.93 76.89 73.12 72.80 81.24 80 105.07 112.77 113.89 107.9 94.90 114.51 85 158.76 166.32 N/A 149.27 129.60 Data in the comparison is based on information available believed to be current as of July 2012 but is subject to change. Not all products are available in all states. Assumes no optional coverages. US (08/12) Producer Use Only You’ll note that the female prices are just as competitive as the male prices. These are also prices for $10,000 of coverage at the level death benefit.

PlanRight Whole Life 407967 US (08/12) Producer Use Only
If you are interested in selling PlanRight there are four pieces that you’ll want to make sure you get. The first is the PlanRight Medical Reference guide. It is 33 pages long and has a lot of great material in it. It has 600 medications listed and 5 pages of medical definitions. Don’t waste your money printing one, we’ll send one out to you. Don’t forget about the Prospecting Brochure – it has all the Member Benefits information in it. Finally – two great PlanRight pieces. The first is a tri-fold brochure. The second is a worksheet brochure that is an 8.5x11. Your clients will like this because it’s easy to read (large font all the way through) and is a great leave-behind piece that shows them why they bought PlanRight.

PlanRight Whole Life APPTICAL 1-866-844-9276
Monday-Friday: 8:30 am to Midnight ET Saturday-Sunday: 10 am to 8 pm ET Sales Support (option 1) Monday-Friday: 8:30 am to 7:00 pm ET Saturday-Sunday: Closed US (08/12) Producer Use Only Finally, two numbers to call – the first is for Apptical. They’ll be able to do the PHI for you. For anything else, call our Sales Desk. They are a team of licensed agents in Minneapolis MN. They no longer sell to the public. They are Foresters employees whose job is to help you sell. If you have a question about Member Benefits, PlanRight, need a quote or materials just give them a call – they are there to help you sell.

Voice Signature over the Phone
Key Features: Entire insurance application completed over the phone Paperless process - electronic application Point-of-Sale qualification – plan eligibility determined before the call is over No requirement to send materials prior to call No wet Signature Required Quick issue and pay US (08/12) Producer Use Only

Voice Signature over the Phone – Process
Log onto a web account for phone sales Complete the sales process with the customer Fill out required information on the web application Connect the customer with the interviewer via a three way phone call to complete the application for insurance. Call is recorded The interview will determine the plan eligibility, validate application information, and obtain a voice signature When the call is completed, Foresters will receive all the information electronically The case may be issued and commission processed. US (08/12) Producer Use Only

Voice Signature over the Phone
Three Technology Requirements: High Speed Internet Connection Microsoft operating system with Internet Explorer Phone with 3-way call capability US (08/12) Producer Use Only

Foresters Prepared Accidental Death Term Insurance

Target Market Ages 18 to 60 Americans looking for financial protection from premature death as a result of an accident Clients who don’t want to go through the hassles of underwriting or do not qualify for traditional (all causes) life insurance US (08/12) Producer Use Only 108 108

Why Prepared? Low cost Easy to sell – on true simplified issue underwriting basis with a few health/lifestyle questions Straightforward “accept or decline” underwriting approach – quicker issue turnaround and get paid sooner Available as a “fall back” solution for declined Foresters term insurance – a simple, affordable alternative US (08/12) Producer Use Only

At a Glance Death Benefit
Paid to beneficiary if insured dies within 180 days from an accidental bodily injury. Guarantees Non-cancelable – the certificate, excluding riders, cannot be canceled by Foresters if premiums are paid as due and there is a health change after issue. The premium rate is guaranteed to remain level and unchanged for the life of the certificate. Premiums Payable to age 75. Rates vary by age band and gender Expiry Date Certificate anniversary on which the insured is age 75. Note: The certificate may end before the certificate expiry date. Minimum Premiums $10/monthly, $30/quarterly, $60/semi-annually, $120/annually Issue Ages 18-60 US (08/12) Producer Use Only No Ratings (Accept/Decline basis) up to table D (+100) 110 110

At a Glance Face Amounts $50,000 - $300,000
Note: The total accidental death term insurance coverage from all in force Foresters accidental death coverage cannot exceed $300,000 Underwriting classes Simplified Issue (non-medical basis). Sub-standard is not available Certificate fees $5.50/monthly, $16.50/quarterly, $32/semi-annually, $60/annually Modal Factors Monthly: , Quarterly: , Semi-annually: , Annually: Optional Riders Disability Income Rider (Accident Only) Waiver of Premium Rider (Accident Only) Return of Premium Rider US (08/12) Producer Use Only 111 111

Agenda Who is ForestersTM Foresters Advantages Product line-up

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