407967 US (05/14)

1. 407967 US (05/14)

2. ForestersTM is not your traditional life insurance provider. Foresters is not driven by the demands of outside investors. Instead, Foresters is a membership-based fraternal benefit organization. Foresters invests in its members, their families and communities. ForestersTM is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; its subsidiaries are licensed to use this mark.

3. The ForestersDifference

4. Financial Strength • Assets of $10.5 billion CDN1. • Foresters conservative investment strategy has resulted in a strong surplus of $1.7 billion CDN and the ability to withstand adverse business and market conditions. • Solvency ratios2 are beyond the local regulatory requirements and above industry averages in all three countries of business. • Foresters financial strength, as measured by A. M. Best Company, is rated “A” (Excellent) and has been for the past 13 years3. 1 Year ending December 31, 2013. 2 Solvency ratios indicate that our ability to meet long-term obligations is above and beyond what is required. 3 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. In assigning Foresters rating on July 6, 2012, A.M. Best stated that Foresters rating outlook is “stable”, which means it is unlikely to change in the near future. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. See ambest.com for our latest rating.

5. Playground Builds The Foresters Difference – Playground Builds • Foresters has a partnership with KaBOOM! • In 2014 we will have built over 100 new playgrounds helping more than 3 million children and families • Members, employees and agents volunteer alongside community partners to build a playground in just one day

6. Ronald McDonald House Charities • Have been partners with RMHC for 3 years • Foresters has organized activities at more than 70 local Ronald McDonald Houses® events in 2013 • Activities include sponsoring “Cookies With Care” and family activity nights ® Ronald McDonald House is a registered trademark of McDonald’s Corporation or its affiliates and is used with permission.

7. Emergency Assistance Grants Short-term, temporary financial assistance Available for Members affected by significant personal hardship, disaster or large-scale emergency One time, per disaster, payment

8. Member Benefits Scholarships EmergencyAssistance Terminal Illness Loans Everyday Money & Legal Link Orphan Benefits Emergency grants may be available to provide short-term, temporary financial assistance to members affected by significant personal hardship, disaster or large-scale emergency. Toll-free, confidential phone-based financial helpline. Accredited counselors can help with everyday money issues, such as budgets and debt. Legal Link offers members access to free and discounted legal services in their area, for help with a variety of issues including wills, home ownership and family law. • $900 per month per child under 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. Orphan Scholarship One parent: $1,500/yr Single parent: $3,000/yr Both parents: $6,000/yr Renewable for up to 4 years Competitive Scholarship $2,000 per year for up to 4 years • Interest-free loan of up to 75% of the net face amount of a clients Foresters life insurance coverage, up to a maximum of $250,0001 • 1 Not available as a member benefit in Illinois, New York or on Accidental Death products. Foresters member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or cancelled without notice.

9. Member Benefits - Scholarships • Suppose two parents with three small children (turning ages 1, 3,and 5) pass away • Foresters would pay death benefits • Foresters would also pay the Orphan Benefit to the legal guardian of the orphaned children Foresters members include the insuredsunder 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.

10. Community Granting Program Community Involvement (CI) grants • CI grants provide members with the funds to independently organize volunteer activities that contribute to family well-being such as cleaning up a park, or assembling hygiene kits for the homeless or gift packs for disadvantaged children. Member Involvement (MI) grants •  MI grants provide members with the funds to create fun family activities such as a day at an amusement park or sporting event, or an evening at the movies. 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.

11. Foresters offers a comprehensive portfolio of products

12. Product Portfolio Medically Underwritten Non-Medical* up to $250,000 Lifefirst Level Term Life Advantage Plus Whole Life SMART Universal Life Lifefirst Level Term Life Advantage Plus Whole Life SMART Universal Life *Insurability depends on the answers to a few medical and lifestyle questions and an underwriting review, based on underwriting requirements and guidelines.

13. Product Portfolio Niche PlanRight Whole Life Prepared Accident Only Term Life Insurance

14. Foresters Product Portfolio fits a range of target markets Lifefirst Term SMART Universal Life Prepared Accidental Death PlanRight Whole Life Advantage Plus Whole Life Ages 50-85 Lower income market 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 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 • 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 • Non-Medical or Medically Underwritten plans Ages 18-56+ 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 • Ages 30-50 looking for long term cash value growth • Ages 50-70 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

15. Lifefirst Term

16. Lifefirst Term - Non-Medical 20-year Term - $100,000 Source: Americo Simplified Issue 100/125 client brochure v02/12; Columbian rate calculator Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

17. Lifefirst Term - Non-Medical 25-year Term - $100,000 Source: Americo Simplified Issue 100/125 client brochure v02/12; Columbian rate calculator Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

18. Lifefirst Term - Non-Medical 30-year Term - $100,000 Source: Americo Simplified Issue 100/125 client brochure v02/12; Columbian rate calculator Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

19. Lifefirst Term – Medical 10-year Term - $400,000 Source: Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

20. Lifefirst Term – Medical 20-year Term - $400,000 Source: Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

21. Lifefirst Term – Medical 25-year Term - $400,000 Source: Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

22. Lifefirst Term – Medical 30-year Term - $400,000 Source: Cited with permission of Compulife® (as of Dec. 19, 2013). Compulife® is a registered trademark of Compulife Software, Inc. All trademarks belong to the respective trademark owners.

23. SMART Universal Life

24. Smart UL-Non Medical Male 45 yrs old standard non smoker, $100,000 face amount, $1,700 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

25. Smart UL-Non MedicalMale 55 yrs old standard non smoker, $100,000 face amount, $2,600 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

26. Smart UL-Non Medical Female 45 yrs old standard non smoker, $100,000 face amount, $1,200 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

27. Smart UL-Non MedicalFemale 55 yrs old standard non smoker, $100,000 face amount, $2,000 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

28. Smart UL-MedicalMale 45 yrs old standard non smoker, $250,000 face amount, $4,000 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

29. Smart UL-MedicalFemale 45 yrs old standard non smoker, $250,000 face amount, $2,300 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

30. Smart UL-MedicalMale 55 yrs old standard non smoker, $250,000 face amount, $6,000 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

31. Smart UL-MedicalFemale 55 yrs old standard non smoker, $250,000 face amount, $5,600 Annual Premium Sources: Individual company software as of December 18, 2013 Guideline Premium Test with Level Death Benefit Based on current COI. Assumes current interest rate and COI applicable throughout all years and no loans or withdrawals. For Producer Use Only

32. Advantage Plus Participating Whole Life

33. Advantage Plus Non-Medical This comparison is based on Foresters Whole Life insurance rates as of October 2013 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of October 15, 2013. 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.

34. Advantage Plus Non-Medical This comparison is based on Foresters Whole Life insurance rates as of October 2013 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of October 15, 2013. 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.

35. Advantage Plus Medical This comparison is based on Foresters Whole Life insurance rates as of October 2013 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of October 15, 2013. 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.

36. Advantage Plus Medical This comparison is based on Foresters Whole Life insurance rates as of October 2013 and rates from Lafayette Contender 100, LifeScape Whole Life from Assurity, and Covenant II from Mutual Trust from their respected software as of October 15, 2013. 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.

37. PlanRight Whole Life

38. Final Expense Level Comparison Male, Level, Non-Tobacco, $10,000 Face Amount Sources: Individual company rate books as of January 1, 2013

39. Final Expense Level Comparison Female, Level, Non-Tobacco, $10,000 Face Amount Sources: Individual company rate books as of January 1, 2013

40. Prepared

41. Sales Support PlanRight Voice signature Training Advanced Marketing Ease of Business Sales Support Phone Line For large, complex, or a unique case, utilize Foresters Advanced Marketing 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 Entire 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 • Dedicated training section on the producer website • New Agent Webinars every month • Product Webinars • Special Topic Webinars: • Advanced marketing • Member benefits A single point of contact with Foresters. A “live” voice for all your pre-sales questions. Assistance with illustrations, ordering materials and navigating website. Proactive outbound calls to keep producers informed on new materials, new products & concepts. • No signed illustrations required just a completed and signed Illustration Certification FormWith Decision Express, Foresters has real-time eligibility decisions for our non-med SMART UL, Advantage Plus Whole Life, Term & PlanRight. • Mobile quoting allows you to quote on all products from your Smartphone or Tablet.

42. Additional Marketing Support • On the producer website you will find: • Ad mats • Web pages • Worksheets/Needs Analyses • Pre-approach letters • Premium reminder stickers • Final Wishes booklet

43. Platinum Destination 2015 Barcelona, Spain: April 23-28, 2015 Interlaken, Switzerland May 22–28, 2013

44. Prestige Destination 2015 San Diego, California: April 12-15, 2015 • Full qualification details can be found on the Foresters iWant Recruiting website.

45. Destination 2015 Eligibility Foresters records will determine qualification results and eligibility. • Agents must be in good standing with Foresters at the time of the Destination conference. • Attendance is available only to those who qualify and are invited by Foresters to attend. • A guest must be accompanied by the qualifier to attend the conference. • Individuals who, for any reason, are unable to attend, are not entitled to any other compensation, nor may the qualifier substitute in his/her stead with any other person.