Your Term

Product Information

Term Periods:10, 15, 20, 25, 30 years
Issue Ages:

10 year: 18-80
15 year: 18-70
20 year: 18-60
25 year: 18-55
30 year: 18-50

Issue Amounts:$50,000 to $400,000
Policy Fee:$70, commissionable except on medically underwritten certificates
Underwriting Classes:

Standard Non-Tobacco
Standard Tobacco

Preferred Plus Non-Tobacco
Preferred Non-Tobacco
Standard Plus Non-Tobacco
Standard Non-Tobacco
Tobacco Plus
Standard Tobacco

Convertibility:Prior to the earlier of:
• The end of the initial term period less five (5) years, and
• The certificate anniversary on which the insured is age 65
Premiums:Level and guaranteed for the initial term period of 10, 15, 20, 25 or 30 years.
Included Riders:
(no additional premium)

Family Health Benefit Rider
Common Carrier Accidental Death Rider
Accelerated Death Benefit Rider

Payment Modes:Annual, semi-annual,quarterly, monthly automatic bank withdrawal (PAC)
Optional Riders: 

Accidenal Death Rider
Waiver of Premium Rider
Disability Income RIders
Childern’s Term Rider 

Illustration Software:

 Foresters Console (Advantage Plus, Smart UL and Term)


 Product Guide

 Product Reference Sheet

 Underwriting Guide

 Non-Medical Underwriting Guide