Foresters is a fraternal benefit society with over 150 years of history caring for their members. We feel the combination of their financial strength, member benefits, history of charitable giving, and overall social consciousness makes them an outstanding addition to any agent’s group of carriers. The “A” rated company offers a full suite of products including:
- Your Term® Level Term Life Insurance – very competitive fully underwritten Term product.
- Strong Foundation™ Level Term Life Insurance – Non-Med Term that is diabetic friendly and has non-tobacco rates for non-cigarette alternative tobacco users and marijuana users.
- Advantage Plus II® Participating Whole Life Insurance – Participating Whole Life product with great dividend history.
- PlanRight® Whole Life Insurance – a Simplified Issue Whole Life product geared to the final expense market.
- BrightFuture® Children’s Whole Life Insurance – a juvenile Whole Life policy that can have the parent, grandparent, or legal guardian as the owner.
- Prepared II® Accidental Death Term Insurance – a stand-alone accident only policy.
- SMART UL® Universal Life Insurance – Universal Life for cash accumulation.
Producers Guide to Member Benefits
North American was founded in 1886. As a privately held company that is a member of Sammons Financial Group, North American remains focused on the long-term goal of perpetuating itself for hundreds of years. With flexible product options and some of the strongest Indexed Universal Life offerings, North American Company is a strong partner for our independent agents and their customers. Their product line includes:
- IUL Builder 4 – designed for maximum cash accumulation.
- Protection Builder II – provides a guaranteed death benefit while using the index account to build cash value.
- Smart Builder 4 – designed to build early cash value and provide early access to the cash value. Offers a waiver of surrender charge rider.
- ADDvantage Term – Term coverage with very competitive rates. Convertible to permanent coverage.
Transamerica Life Insurance Company has stood for innovation since 1906 and was built on the idea that financial security should be available to everyone. As a powerful force in the Life Insurance industry, Transamerica brings brand name recognition and a compelling life insurance portfolio, making them a must have for any independent agent. Their lineup includes:
- Trendsetter® Super – One of the most competitive Term offerings in the industry.
- Trendsetter® LB – Term coverage with Living Benefits.
- Transamerica Lifetime℠ (whole life) – non-participating with 10 pay, 20 pay, 30 pay, and pay to 100 options.
- FE Immediate Solution℠ – Simplified Issue Whole Life final expense policy with a unique Children/Grandchildren Benefit rider.
- FE Immediate Solution℠ Juvenile – Simplified Issue Whole Life for issue ages 0-17.
- FE Express Solution℠ – Streamlined, digital-only product built for speed and simplicity.
- Transamerica Financial Foundation IUL® – Indexed Universal Life with Living Benefits and an available Long Term Care rider.
- Transamerica Financial Foundation IUL® II – Offers improved Indexed options, higher cap and better accumulation flexibility.
- Transamerica Financial Choice IUL℠ – Offers a variety of index options and policy features to maximize accumulation potential.
- Transamerica Financial Choice IUL℠ II – Better supports high income clients with enhanced Index options, improved accumulation efficiency and more flexibility for tax-advantaged income planning.
Ameritas Life Insurance Corp. is a highly rated, client‑focused carrier known for competitive life insurance, strong living benefits, and industry‑leading service. With a reputation for financial strength and a diverse product portfolio, Ameritas offers flexible protection solutions for families, professionals, and business owners. Their life products emphasize long‑term value, cash accumulation potential, and modern underwriting options.
-
Value Plus Term — Affordable level‑term coverage with flexible durations, conversion options, and accelerated underwriting for qualifying clients.
-
AccelUL — Performance‑driven IUL with multiple index strategies, strong cash value potential, and living benefits.
-
Growth IUL — Designed for long‑term accumulation with competitive caps, participation rates, and flexible premium funding.
-
Foundation UL — Traditional UL offering flexible premiums, guaranteed interest crediting, and long‑term policy stability.
-
Ameritas Whole Life — Permanent coverage with guaranteed cash value, level premiums, and strong dividend performance history.
-
Survivorship UL — Cost‑effective second‑to‑die coverage ideal for estate planning, wealth transfer, and business continuation strategies.
-
-
Accelerated Death Benefit Riders — Access to death benefit for chronic, critical, or terminal illness (product‑dependent).
-
Waiver of Premium — Premiums waived during qualifying disability.
-
Children’s Term Rider — Low‑cost coverage for dependent children.
-
-
Income Advantage IUL — Indexed Universal Life offering flexible premiums, strong index crediting options, and long‑term cash value potential.
-
Life Protection Advantage IUL — Protection‑focused IUL with strong no‑lapse guarantees and flexible death benefit options.
-
AccumUL Answers — Traditional Universal Life with guaranteed interest, flexible premiums, and long‑term cash value accumulation.
-
Term Life Answers (10, 15, 20, 30) — Level‑term coverage with competitive pricing and conversion options.
-
Term Life Express (10, 15, 20, 30) — No‑exam term coverage with fast underwriting and affordable rates.
-
Indexed Universal Life Express (IUL Express) — Simplified‑issue IUL with instant‑decision underwriting and cash value potential.
-
Living Promise Whole Life — Final expense whole life with level premiums and simplified underwriting.
-
Children’s Whole Life — Lifetime coverage for children with guaranteed premiums and cash value.
-
Guaranteed ADvantage (Accidental Death) — Stand‑alone accidental death coverage with guaranteed acceptance.
-
Guaranteed Life — A Guaranteed Issue Whole Life policy for adults 50–80 with no health questions and no medical exam, offering permanent coverage and fixed premiums.
-
Grow‑Up® Plan — A Whole Life policy for children ages 0–14 that locks in childhood rates and automatically doubles in coverage at age 18 at no additional cost.
-
Young Adult Plan — A simplified‑issue Whole Life policy for ages 15–17, providing affordable starter coverage with guaranteed lifetime protection.
-
Term Life — Budget‑friendly term coverage for adults with level premiums, simplified underwriting, and flexible term lengths for family income protection.
-
Whole Life — Permanent coverage with cash value accumulation, guaranteed premiums, and simplified underwriting for adults seeking long‑term stability.
-
Accident Protection Insurance — Stand‑alone Accidental Death & Dismemberment coverage for individuals and families, offering affordable protection against unexpected injuries or loss.
