For producer use only Not for use with

For producer use only. Not for use with the public 407967 US (10/18))

Foresters Financial. TM is an international financial services provider with a difference. We believe in enriching lives and building strong communities ─ that’s our purpose. It has defined us since 1874, and it helps us continually redefine what a financial services provider can do for families. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M 3 C 1 T 9) and its subsidiaries.

Disclaimers • Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M 3 C 1 T 9) and its subsidiaries. • Foresters products and their riders may not be available or approved in all states and are subject to underwriting approval, limitations, contract terms and conditions, and state variations. Refer to the applicable Foresters Producer Guide and the insurance contract for your state for these terms and conditions. Products underwritten by The Independent Order of Foresters. • For Non-Medical products, insurability depends on answers to medical and other application questions and an underwriting review. • This presentation cannot be used for the purpose of avoiding penalties that may be imposed on a taxpayer. Neither Foresters nor its Representatives engage in rendering legal, business, estate tax, accounting or tax advice.

Disclaimers (continued) • The information contained in this presentation is for information purposes only; it does not form part of the life insurance contract and is not intended to amend, alter or change any of the terms and conditions of the contract. Please advise your clients to consult their individual tax or legal advisors regarding their specific situation. This report is not intended to provide advice regarding the sale or purchase of specific investments, financial or insurance products. Treasury Department Circular 230. • All information is intended to be general in nature. All Foresters fraternal requirements need to be considered including the requirement that proceeds must benefit the Foresters member or the member’s dependents. • The information contained in this presentation is for information purposes only. There are other tools available to support your learning needs. You must ensure that you correctly represent, to a customer or prospect, the product features based on the actual wording of the applicable certificate and riders for your state.

Foresters offers a comprehensive portfolio of products

Product Portfolio Non-Medical* up to $400, 000 Medically Underwritten Your Term Level Term Life Advantage Plus Whole Life SMART Universal Life** *Insurability depends on answers to medical and other application questions and an underwriting review. **Changes to SMART UL are pending approval in CA and NY Niche Plan. Right Whole Life

Foresters Product Portfolio fits a range of target markets Your Term SMART Universal Life Ages 18 -56+ Ages 30 -50 Looking for temporary life insurance needs, such as mortgage or income protection, at an affordable price Middle income market Non-Med available for clients who don’t want to go through the hassles of full underwriting Looking for personal protection from total disability and certain critical illnesses Advantage Plus Whole Life Ages 30 -50 looking for long term cash value growth Looking for lifetime life insurance protection Ages 50 -70 looking for guaranteed premium and a death benefit Clients who don’t want to go through the hassles of full underwriting Middle income market Looking for cash value accumulation potential Non-Medical or Medically Underwritten plans Want lifetime life insurance protection (up to age 121) Want cash value accumulation potential Non-Medical or Medically Underwritten plans

Foresters Product Portfolio fits a range of target markets Plan. Right Whole Life Ages 50 -85 Available on all products (except Plan. Right and Prepared) at no additional premium: Lower income market Accelerated Death Benefit Rider 1 If the insured is diagnosed with an eligible illness, ABR offers the owner an opportunity to accelerate a portion of the eligible death benefit and receive an accelerated death benefit payment. This rider can be issued with one or more of the eligible illnesses - Critical Illness, Chronic Illness or Terminal Illness. Looking to help cover costs of final expenses. Clients who may not be in the best of health and don’t want to go through the hassles of full underwriting 1 ABR not available in CA If applicable - This product is a life insurance policy that accelerates the death benefit on account of chronic illness and is not a health insurance certificate providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership Program and is not a Medicare supplement certificate. Receipt of the accelerated death benefits may affect eligibility for public assistance programs. Receipt of the accelerated death benefits may be taxable.

Your Term

Your Term - Non-Medical 10 -year Term - $100, 000 Age 45 MNT Rank MT Rank FNT Rank Foresters Your Term $ 26. 17 6 $ 74. 35 6 $ 21. 27 5 $ 69. 48 7 American-Amicable Term Made Simple $ 25. 29 4 $ 59. 22 3 $ 20. 70 3 $ 45. 27 3 ANICO Signature Term Express $ 19. 01 1 $ 45. 53 1 $ 16. 76 1 $ 37. 32 1 Assurity Term Life $ 22. 62 2 $ 48. 11 2 $ 18. 36 2 $ 39. 06 2 Life of Southwest - Level Term $ 24. 64 3 $ 70. 49 5 $ 22. 09 6 $ 55. 53 5 Phoenix Life Safe Harbor Term $ 37. 89 8 $ 106. 32 8 $ 32. 71 8 $ 81. 64 8 Transamerica Trendsetter LB Exp $ 25. 54 5 $ 70. 18 4 $ 21. 16 4 $ 53. 41 4 United of Omaha – Term Life Exp $ 36. 13 7 $ 74. 67 7 $ 29. 37 7 $ 68. 71 6 Source: All the rates are cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Your Term - Non-Medical 20 -year Term - $100, 000 Age 45 MNT Rank MT Rank FNT Rank Foresters Your Term $ 37. 98 4 $ 95. 38 5 $ 35. 79 6 $ 88. 99 6 ANICO Signature Term Express $ 27. 39 1 $ 71. 54 1 $ 22. 20 1 $ 54. 00 1 American-Amicable Term Made Simple $ 37. 26 3 $ 92. 97 3 $ 27. 36 3 $ 75. 42 3 Americo SI 100 Term $ 51. 68 9 $ 100. 32 7 $ 51. 68 11 $ 100. 32 9 Assurity Term Life $ 33. 93 2 $ 77. 69 2 $ 26. 80 2 $ 64. 12 2 Columbian SI Safe. Shield Term $ 49. 07 7 $ 95. 35 4 $ 49. 07 10 $ 95. 35 8 Life of Southwest - Level Term $ 41. 10 6 $ 116. 86 9 $ 31. 86 5 $ 88. 44 5 Phoenix Life Safe Harbor Term $ 54. 63 10 $ 142. 48 10 $ 43. 24 7 $ 115. 56 Transamerica Trendsetter LB Exp $ 38. 18 5 $ 103. 54 8 $ 31. 30 4 $ United Home Life Exp Issue Term $ 64. 12 11 $ 154. 51 11 $ 46. 89 8 $ 111. 27 United of Omaha – Term Life Exp $ 49. 66 8 6 $ 46. 90 9 $ $ 96. 65 83. 94 91. 05 Source: Americo Simplified Issue 100/125 client brochure v 02/12 unisex rates; Columbian rate calculator unisex rates. A ll other data cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients. . 11 4 10 7

Your Term - Non-Medical 30 -year Term - $100, 000 Age 45 MNT Rank MT Rank FNT Rank Foresters Your Term $ 61. 24 5 $ 137. 82 8 $ 46. 12 5 $ 105. 27 5 ANICO Signature Term Express $ 42. 34 1 $ 107. 48 2 $ 31. 97 1 $ 80. 78 1 American-Amicable Term Made Simple $ 50. 40 4 $ 121. 50 4 $ 39. 60 4 $ 95. 40 3 Americo SI 100 Term $ 71. 54 8 $ 135. 95 7 $ 71. 54 11 Assurity Term Life $ 48. 55 3 $ 103. 36 1 $ 37. 24 2 Columbian SI Safe. Shield Term $ 66. 03 6 $ 129. 98 5 $ 66. 03 Life of Southwest - Level Term $ 72. 34 9 $ 172. 92 10 $ Phoenix Life Safe Harbor Term $ 75. 86 10 $ 197. 54 11 Transamerica Trendsetter LB Exp $ 45. 49 2 $ 115. 50 United Home Life Exp Issue Term $ 83. 87 11 United of Omaha – Term Life Exp $ 66. 75 7 $ 135. 95 $ 10 84. 91 2 10 $ 129. 98 8 51. 04 6 $ 130. 33 9 $ 61. 53 8 $ 167. 51 11 3 $ 37. 32 3 $ 96. 84 4 $ 170. 35 9 $ 56. 46 7 $ 111. 10 6 $ 131. 10 6 $ 63. 01 9 $ 123. 44 7 Source: Americo Simplified Issue 100/125 client brochure v 02/12 unisex rates; Columbian rate calculator unisex rates. A ll other data cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Your Term – Medical 10 -year Term - $500, 000 Age 45 MPPNT Rank MNT Rank FPPNT Rank Foresters Your Term $ 30. 63 4 $ 46. 82 1 $ 25. 82 4 $ 46. 38 3 AIG Select-a-Term $ 31. 05 6 $ 64. 36 7 $ 25. 43 2 $ 52. 68 7 ANICO Signature Term $ 31. 10 7 $ 63. 50 6 $ 26. 78 8 $ 53. 14 8 Assurity Term life $ 41. 33 11 $ 67. 43 9 $ 33. 06 10 $ 53. 51 9 Banner OPTerm $ 33. 54 8 $ 55. 90 2 $ 25. 58 3 $ 45. 58 1 John Hancock Life Term $ 30. 01 2 $ 84. 46 12 $ 26. 21 6 $ 68. 16 12 Life of Southwest - Level Term $ 39. 16 10 $ 79. 64 10 $ 33. 44 11 $ 67. 76 11 New York Life Level Term $ 50. 32 13 $ 81. 87 11 $ 41. 96 12 $ 61. 80 10 North American ADDvantage $ 30. 80 5 $ 58. 52 4 $ 26. 40 7 $ 47. 96 4 Protective Life Custom Choice $ 28. 52 1 $ 56. 18 3 $ 25. 21 1 $ 45. 86 2 Pruco Life Term Elite $ 46. 80 12 13 $ 43. 65 13 $ 97. 65 13 Transamerica Trendsetter LB $ 36. 12 9 $ 66. 65 8 $ 28. 81 9 $ 49. 88 5 United of Omaha Term Life Answers $ 30. 41 3 $ 62. 78 5 $ 26. 03 5 $ 52. 28 6 $ 114. 75 Source: All the rates are cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Your Term – Medical 20 -year Term - $500, 000 Age 45 MPPNT Rank MNT Rank FPPNT Rank Foresters Your Term $ 53. 38 6 $ 97. 57 4 $ 39. 38 2 $ 78. 76 5 AIG Select-a-Term $ 49. 65 2 $ 94. 63 2 $ 40. 14 4 $ 73. 44 2 ANICO Signature Term $ 53. 57 7 $ 102. 82 6 $ 42. 34 6 $ 79. 49 6 Assurity Term 350 Plus $ 62. 21 9 $ 103. 53 7 $ 48. 72 9 $ 80. 04 7 Banner OPTerm $ 49. 36 1 $ 38. 70 1 $ 73. 01 1 John Hancock Life Term $ 52. 81 5 $ 139. 71 12 $ 45. 01 8 $ 109. 56 11 Life of Southwest - Level Term $ 77. 88 13 $ 147. 84 13 $ 62. 04 13 $ 110. 44 12 New York Life Level Term $ 74. 52 12 $ 119. 62 10 $ 57. 36 11 $ 91. 33 10 North American ADDvantage $ 52. 80 4 $ 99. 88 5 $ 42. 68 7 $ 78. 32 4 Protective Life Custom Choice $ 50. 06 3 $ 95. 21 3 $ 39. 48 3 $ 74. 06 3 Pruco Life Term Elite $ 62. 55 10 $ 131. 85 11 $ 58. 05 12 $ 128. 70 Transamerica Trendsetter LB $ 69. 23 11 $ 116. 96 9 $ 53. 75 10 $ 89. 44 9 United of Omaha Term Life Answers $ 54. 03 8 $ 104. 34 8 $ 42. 22 5 $ 80. 28 8 94. 08 Source: All the rates are cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients 13

Your Term – Medical 30 -year Term - $500, 000 Age 45 MPPNT Rank MNT Rank FPPNT Rank Foresters Your Term $ 88. 38 5 $ 174. 13 5 $ 66. 94 4 $ 130. 82 7 AIG Select-a-Term $ 84. 68 2 $ 167. 29 3 $ 66. 52 3 $ 118. 42 2 ANICO Signature Term $ 85. 97 3 $ 176. 69 7 $ 67. 82 6 $ 125. 28 5 Assurity Term 350 Plus $ 102. 23 9 $ 164. 87 1 $ 77. 00 8 $ 123. 54 4 Banner OPTerm $ 166. 32 2 $ 63. 64 1 $ 117. 73 1 Life of Southwest - Level Term $ 121. 44 11 $ 218. 68 10 $ 97. 68 11 $ 160. 16 10 North American ADDvantage $ 87. 12 4 $ 176. 00 6 $ 67. 76 5 $ 125. 84 6 Protective Life Custom Choice $ 90. 19 6 $ 169. 80 4 $ 64. 99 2 $ 120. 41 3 Pruco Life Term Elite $ 102. 15 8 $ 219. 15 11 $ 85. 50 9 $ 179. 55 11 Transamerica Trendsetter LB $ 111. 80 10 $ 178. 02 8 $ 90. 73 10 $ 137. 60 9 United of Omaha Term Life Answers $ 7 $ 184. 41 9 $ 71. 09 7 $ 132. 34 8 81. 27 92. 53 Source: All the rates are cited with permission of Compulife® (as of June 5, 2018). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

SMART Universal Life 2018 *Changes to SMART UL are pending approval in CA and NY

Smart UL-Non Medical Male 45 years old standard non smoker, $100, 000 face amount Source: Individual company software information as of Sept 6, 2018. Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate of 4. 1% is a non-guaranteed rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Smart UL-Non Medical Female 45 years old standard non smoker, $100, 000 face amount Source: Individual company software information as of Sept 6, 2018. Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate of 4. 1% is a non-guaranteed rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Smart UL 2018 - Medical Male 45 years old standard non smoker, $400, 000 face amount The above illustration assumes current interest rate of 4. 1% is a non-guaranteed rate. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Smart UL 2018 - Medical Female 45 years old standard non smoker, $400, 000 face amount The above illustration assumes current interest rate of 4. 1% is a non-guaranteed rate. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Advantage Plus Participating Whole Life

Advantage Plus Non-Medical This comparison is based on rates as of June 7, 2018 for Foresters, Lafayette and Life of South west. Premiums are calculated on a level basis, payable to age 121, 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. Source: Individual Company software information. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Advantage Plus Medical This comparison is based on rates as of June 7, 2018. Premiums are calculated on a level basis, payable to age 121, 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. Source: Individual Company software information. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Advantage Plus Medical This comparison is based on rates as of June 6, 2018. Premiums are calculated on a level basis, payable to age 121, 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. Source: Individual Company software information. For Producer Use Only. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Plan. Right Whole Life

Plan. Right Whole Life Male Non-Tobacco 10 K - Whole Life – Level Plan, Monthly Premiums American Amicable Senior Choice Americo Eagle Premier Baltimore Life Columbian Liberty Bankers Life Lincoln Heritage Mutual of Omaha 49. 43 36. 30 33. 30 32. 01 30. 50 38. 60 29. 15 30. 66 31. 02 39. 82 7 35. 70 58. 88 40. 49 39. 60 36. 68 36. 78 47. 10 35. 09 35. 72 35. 93 36. 88 46. 97 7 47. 05 43. 68 75. 72 49. 67 48. 60 49. 40 45. 80 56. 60 42. 75 43. 27 43. 73 44. 69 56. 88 6 55. 75 59. 74 55. 20 96. 79 62. 92 60. 30 60. 21 55. 95 66. 00 55. 75 55. 84 56. 46 56. 26 73. 65 2 70 72. 91 78. 79 72. 93 126. 06 83. 31 78. 30 81. 30 73. 31 82. 50 73. 70 72. 74 74. 59 74. 63 101. 15 2 75 102. 69 108. 01 99. 51 167. 22 113. 87 104. 40 108. 71 100. 14 117. 80 99. 53 96. 62 99. 96 102. 75 142. 24 6 80 146. 74 155. 82 145. 65 233. 42 166. 93 147. 60 157. 16 146. 79 183. 20 132. 65 146. 92 140. 15 138. 60 201. 88 5 85 200. 75 221. 31 200. 14 N/A 229. 59 N/A 216. 82 N/A 200. 90 183. 15 N/A 200. 36 N/A 4 Age Foresters Financial Americo Ultra Protector II 50 32. 00 31. 64 32. 06 55 36. 86 40. 03 60 45. 19 65 Phoenix United Remembrance Transamerica Home Life 100% Premier Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients. Data in the comparison is based on information available through CSG Actuarial and believed to be current as of May 15, 2018. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients. United Home Foresters Life Rank Deluxe

Plan. Right Whole Life Female Non-Tobacco 10 K - Whole Life – Level Plan, Monthly Premiums American Americo Amicable Ultra Baltimore Eagle Senior Protector Life Premier Choice I II Columbian Liberty Bankers Life Lincoln Heritage 27. 90 26. 69 25. 57 31. 80 24. 67 26. 63 25. 25 26. 06 33. 74 5 31. 32 32. 40 31. 20 30. 39 36. 20 28. 40 29. 39 29. 12 29. 88 38. 06 7 54. 07 38. 46 38. 70 39. 26 34. 66 43. 00 32. 87 36. 46 33. 65 35. 42 44. 91 5 42. 80 65. 61 48. 65 47. 70 46. 97 42. 80 54. 90 41. 01 43. 47 41. 55 42. 45 56. 13 4 60. 37 53. 43 82. 59 60. 88 61. 20 60. 52 54. 78 71. 90 53. 24 55. 26 53. 92 52. 47 73. 28 3 75. 08 81. 73 72. 93 116. 18 83. 31 81. 00 80. 83 76. 20 96. 50 72. 41 75. 09 72. 82 71. 11 102. 50 5 80 111. 08 113. 68 112. 77 168. 43 129. 12 117. 90 119. 47 109. 16 145. 00 98. 43 110. 24 104. 04 104. 61 141. 58 6 85 165. 92 166. 02 166. 32 N/A 190. 69 N/A 165. 42 N/A 171. 50 135. 90 N/A 148. 55 N/A 4 Age Foresters Financial 50 26. 05 26. 67 24. 56 37. 86 27. 67 55 31. 16 50. 00 27. 73 44. 91 60 35. 41 38. 26 33. 93 65 42. 80 47. 05 70 53. 42 75 Phoenix United Mutual of Foresters Remembrance Transamerica Home Life Omaha Rank 100% Premier Deluxe Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients. Data in the comparison is based on information available through CSG Actuarial and believed to be current as of May 15, 2018. Data is subject to change and may not be accurate. Comparison created for producer use only and not for public use or distribution. Cannot be used to promote sales to clients.

Manage your business with the Foresters Biz app • Manage your Foresters business right from the palm of your hand – 24/7. • The Foresters Biz app takes mobile technology to the next level with a powerful set of business tools for producers on the go. What you need to know • Use your Foresters producer website credentials to log in • Pending data is updated hourly. Inforce data is updated daily • Foresters Biz is designed as a producer tool and shows personal production only Download it now from Apple i. Tunes™ or the Android™ app store.

Manage your business with the Foresters Biz app

Sales Support Phone Line A single point of contact with Foresters. Open Mon – Fri 8: 30 am – 7: 00 pm ET Assistance with sales ideas and solutions, product training, illustration software, ordering materials and navigating website. Proactive outbound calls to keep agents informed on new materials, new products & concepts. Training Dedicated training section on the producer website New Agent Webinars every month Product Webinars Special Topic Webinars: • Advanced marketing such as small business planning • Member benefits Ease of Business Advanced Marketing No signed illustrations required, just a completed and signed Illustration Certification Form For large, complex, or a unique case, utilize Foresters Advanced Marketing Mobile Quotes allow you to quote on all products from your Smartphone or Tablet. 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 small business and estate cases Foresters Biz Mobile App allows you to check your inforce business and outstanding requirements Plan. Right Voice signature Insurance application completed over the phone Paperless process electronic application Point-of-Sale qualification – medical eligibility determined before the call is over No requirement to send materials prior to call No wet Signature Required Quick issue and pay

Additional Marketing Support • On the producer website you’ll find: – Ad mats – Worksheets/Needs Analyses – Pre-approach letters – Premium reminder stickers – Final Wishes booklet