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January 2007

Great products Great features Great choices Foresters & NAA a great partnership!. January 2007. January 2007. Customized approach… Easy business…. Foresters Strong Foundation January 2007 release Application Form 130 years strong! About the Foresters difference.

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January 2007

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  1. Great products • Great features • Great choices • Foresters & NAA a great partnership! January 2007

  2. January 2007

  3. Customized approach… Easy business… • Foresters Strong Foundation January 2007 release • Application Form • 130 years strong! • About the Foresters difference January 2007

  4. Foresters Strong Foundation Level Term Life Insurance January 2007 release Look for the new or enhanced features

  5. Fully Underwritten Simplified Issue Level Premiums Guaranteed A variety of Initial Terms Renewable Convertible Strong Foundation Product Features Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  6. Banding Insurance Classes Protection Riders Accident & Illness Protection Riders Extended Family Protection Rider Financial Strong Foundation Product Features con’td Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  7. Simplified Issue & Fully Underwritten Choice of initial terms 15, 20 and 30 year 7 Riders to provide additional coverage Living Rewards Rider Features Easy Access Loans Age Last Birthday Liberal Tobacco definition Cigarettes & marijuana = Tobacco Pipe, cigar, dip, nicotine patches or gum = Non Tobacco Third party ownership Preferred Smoker class One signature application Temporary Insurance Agreement (TIA) PAC Authorization to obtain & Disclose Information (HIPPA) Advantages of Strong Foundation Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  8. Foresters Strong Foundation HighlightsJanuary 2007 release • 15, 20, and 30 year initial term periods • Simplified Issue and Fully Underwritten (new business and kick out) • Issue ages (age last birthday) • 15 year: 18 to 70 • 20 year: 18 to 60 • 30 year: 18 to 50 (45 for male smoker) • 10 year term Fully Underwritten product (not previously available) • Available (in approved states) February 9th • Issue ages 40 to 80 (age last birthday) Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  9. Foresters Strong Foundation HighlightsJanuary 2007 release • Up to $250k maximum face amount on Simplified Issue 15, 20 and 30 year initial terms • Issue ages 18 to 50: $250K (was $200K) • Issue ages 51 to 55: $200k (was $150k) • Issue ages 55+: $150K (was $100K) • More insurance classes • Preferred Smoker Insurance Class now available for Band 2 (fully underwritten only) • Ages 18 to 50 ($150k+) • Ages 51 to maximum age ($100k+) • Guaranteed level premiums for the entire initial term • Annually increasing thereafter to age 95 • Simplified Issue Life Event • New or refinanced mortgage (even if the mortgage is in the spouse’s name!), marriage, birth or adoption of a child, divorce and death of a spouse (was $500K+) Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  10. Foresters Strong Foundation HighlightsJanuary 2007 release Accident & Illness Options • Critical Illness (CI) Rider (Accelerated Death Benefit) • Covered Critical Illnesses • Life Threatening Cancer (Invasive) • Myocardial Infarction (Heart Attack) • Stroke • Advanced Alzheimer’s (before Age 75) • Covered Critical Procedures – 25% of Payout • Coronary Bypass Surgery • Angioplasty • 100% benefit amount for critical illnesses, 25% for critical procedures • 100% of CI premiums paid (minus the sum of CI benefits paid) are returned if the insured dies from a cause other than a critical illness Note: not available on rated certificates Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  11. 1Injury Facts, National Safety Council (2003 Edition) page 10; 2Karter MJ. Fire loss in the United States during 2002. Quincy (MA): National Fire Protection Association, Fire Analysis and Research Division; 2003; 3Injury Facts, National Safety Council (2003 Edition) page 86; 4Injury Facts, National Safety Council,(2003 Edition), page 2. Foresters Strong Foundation HighlightsJanuary 2007 release Accident & Illness Options • Disability Income (DI) Rider (Accident Only) • Non-coordinated • Own Occupation definition • 2 claims per policy (2nd claim will be “Any Occ”) • 90 day waiting period/24 month benefit period • Can be added post-issue – up to 5 yrs from issue date • 100% of DI premiums paid (less sum of DI benefits paid) are returned if the insured dies while DI Rider is in effect Note: DI Rider may be available on rated certificates but the rider itself cannot be rated • Waiver of Premium Rider • Helps maintain insurance protection when income reduces due to total disability • Premiums are waived for as long as the insured is totally disabled and unable to work Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  12. Source: ‘Return of Premium Riders Catch On’, The National Underwriter, September 2006 Foresters Strong Foundation HighlightsJanuary 2007 release Financial Protection Option • Living Rewards Rider (LRR) • #1 Requested feature by the producers and clients • Refunds 100 % eligible premiums: base certificate, Living Rewards Rider, Accidental Death Rider and Waiver of Premium rider • Innovative Loan Feature • Easy access loans: members can access 100% of the growing LRR value (no qualification necessary and can be used for any purpose) • Premium Quote Calculator • Show your clients the value of the easy access loan feature • Generate rate of return examples for your clients Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  13. Foresters Strong Foundation HighlightsJanuary 2007 release Extended Protection Options • Accidental Death Rider • Provides inexpensive additional insurance if the insured died from an accident • Easy to select: choose from 25%, 50%, 75% or 100% of base certificate insured amount • Additional Insured Term Rider • The convenience insurance for insured and partner all on one contract • Many of the product rules are the same as the base contract • Children’s Term Rider • Gives the gift of guaranteed insurability • Premium covers ALL children (age 15 days through 17 yrs and 364 days) Overview only, full product details, state variations/restrictions, & availability located on your producer site. January 2007

  14. Foresters Strong Foundation 2007 Enhancements Launch 34 States launching January 22, 2007 • Alaska Alabama Arizona • Arkansas Connecticut Colorado • District of Columbia Delaware Georgia • Iowa Idaho Indiana • Kansas Kentucky Louisiana • Maine Michigan Missouri • North Carolina New Mexico Nebraska • New Hampshire North Dakota Ohio • Oklahoma Rhode Island South Carolina • South Dakota Tennessee Texas • Virginia Wisconsin West Virginia • Wyoming Previously selling 2005 release January 2007

  15. Application formOne stop shop

  16. Application form Life insurance applications across the industry vary by shape, size, inclusion of supplemental forms and point of sale purpose Foresters life application: • Is a one signature application • Is a ‘one stop shop’ for gathering all client information regardless of product • Includes all rider pages and additional insured information gathering requirements • Helps you gather client information that may be required to make a counter offer should your client not qualify for Simplified Issue product(s) • Includes some of the supplemental forms required at point of sale, reducing the number of forms you need to carry, for example • Temporary insurance agreement • Authorization to obtain and disclose information form (HIPPA) And don’t forget Foresters Strong Foundation Life Insurance Applications are Available for downloading/printing January 2007

  17. Distribution support

  18. Updated Marketing Collateral Distribution Support 1 877 NAA 4BIZ (1 877 622 4249) Updated Product Technical Guide Updated Premium Quote Calculator January 2007

  19. Foresters 130 years strong Build your business with Foresters Strong Foundation

  20. 130 years strong! • A fraternal organization • Every certificate issued is a new member • Members are offered the opportunity to volunteer to support community activities and to participate in the governance of our organization • Members are eligible for member’s benefits • Assets over $4.5 billion • Surplus $994 million • Life insurance in force approximately $13 billion • “A” (Excellent) financial strength rating by A.M. Best January 2007

  21. The Benefits of Membership Foresters Member Benefits* • Critical Illness Member Benefit • Terminal Illness Member Benefit • Young Family Member Benefit • Life Enhancement Member Benefit • Competitive scholarships • Orphan scholarship * Member Benefits may be changed or eliminated at any time. This is an overview only. Full product details, state variations & restrictions, and product availability can be located on your producer site. January 2007

  22. Leveraging our fraternal uniqueness • National sponsorships • Children’s Miracle Network • Since 1990 invested over $17 million to help raise $180 million • Prevent Child Abuse America • International Radio-thon • 159 hospitals/foundations held Radio-thons • 260 radio station partners • Raised over $42 million Community involvement in 2005 • Members and staff donated over 4.8 million volunteer hours • Our volunteers raised $8 million for community partners • Foresters contributed over $6 million at the local level January 2007

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