Important Note for Producers

1. For Producer Use Only (See notes page for more product highlights)

2. Important Note for Producers This presentation is provided to support your initial training on Foresters Strong Foundation. It is an effort to present a snapshot of Strong Foundation product features and it is not intended as a substitute for the applicable product wording. There are several other tools available to support your learning needs. It is important to understand that this is not an inclusive document and the applicable certificate and riders, which you must be familiar with, will supersede all training materials. You must ensure that you correctly represent, to a customer or prospect, the product features based on the actual wording of the applicable product. Product and features may not be available in all jurisdictions and certain variations and/or restrictions may apply. Consult ezbiz for more detailed product information and availability. For Producer Use Only (See notes page for more product highlights)

3. Why Strong Foundation? Solid and affordable insurance protection to help your clients prepare for the unexpected… with flexible options to adapt as their stage of life and insurance needs change For Producer Use Only (See notes page for more product highlights)

4. Market Opportunity If your client is looking for… Reliable insurance protection Complementary health protection Protection to help replace lost income in case of disability Supplemental savings for emergency or retirement Strong Foundation Solution Strong Foundation’s coverage differs from mortgage insurance because its coverage remains level. And, being the coverage’s owner, your client has total control of the coverage, e.g. name his/her beneficiary Upon diagnosis of covered critical illness, Critical Illness Rider provides accelerated benefit of base term coverage – your client can use the money anyway he/she sees fit Disability Income Rider (Accident Only) can provide monthly benefits to help support family expenses if insured becomes totally disabled due to an accidental bodily injury Available with 30-year term, Living Rewards Rider returns premiums paid for base term coverage and eligible rider(s) For Producer Use Only (See notes page for more product highlights)

5. Strong Foundation Product Features – Base Protection • Available on Simplified Issue (SI) and Fully Underwritten (F U/W) basis • No life event requirements on SI • Choices of initial terms: • 15-, 20- & 30-year term periods for SI • 10-, 15-, 20- & 30-year term periods for F U/W • Issue age based on last birthday For Producer Use Only (See notes page for more product highlights)

6. Strong Foundation Product Features – Base Protection • Minimum issue limits: $20,000 without LRR or $25,000 with LRR • Maximum issue limits: • SI – up to $250,000 depending on issue age • F U/W – no maximum, subject to underwriting approval • Premiums for base certificate are guaranteed for the entire initial term • Premium banding: • 1 premium band for SI • 3 premium bands for F U/W – higher premium bands offer lower premium rate per $1,000 of coverage For Producer Use Only (See notes page for more product highlights)

7. Strong Foundation Product Features – Base Protection • Insurance classes: • 2 classes for SI • 5 classes for FU – preferred classes available from Band 2 and up • Renewable to age 95 • Convertible to permanent life insurance without evidence of insurability • SI – non-contractual (subject to our business practice) • FU – contractual provision • 6 optional riders to provide comprehensive insurance protection For Producer Use Only (See notes page for more product highlights)

8. Strong Foundation Product Features – Optional Riders • Accident & Illness Options – available for all terms • Critical Illness Rider (accelerated death benefit) (CIR) • Disability Income Rider (accident only) (DIR) • Waiver of Premium (WPR) • Extended Protection Options – available for all terms • Accidental Death Rider (ADR) • Children’s Term Rider (CTR) • Financial Protection Option – available with 30-year term • Living Rewards Rider (LRR) For Producer Use Only (See notes page for more product highlights)

9. Accident & Illness Protection Options Critical Illness Rider (Accelerated Death Benefit) Pays a portion of the base term benefit in a lump sum if diagnosed with one of the covered critical illnesses or has completed a covered critical procedure. • 100% for covered critical illness • 25% for covered critical procedures • Except for life threatening cancer which requires diagnosis to occur after 30 days of the issue date, there are no waiting period requirements for other covered illnesses. (Some companies require the diagnosis occurred 60 days for cancer or 90 days for other covered illnesses after the coverage issue date). • Return of CIR premiums paid (minus CIR benefits paid) on death (from a cause other than a critical illness) while the rider is in effect Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

10. Accident & Illness Protection Options Disability Income Rider (Accident Only) Provides a monthly benefit if the insured becomes totally disabled within 180 days of an accidental bodily injury • Up to 2 independent claims • Benefits payable up to 2 years per claim • Benefits are non-coordinated – will not be reduced/offset by other DI benefits received from other sources • Available on a Simplified Issue basis (not medically underwritten) • Return of DIR premiums paid (minus DIR benefits paid) on death while the rider is in effect Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

11. Accident & Illness Protection Options Waiver of Premium Rider Waives the Strong Foundation premium required for each month the insured is totally disabled To qualify, insured must become totally disabled prior to age 60 and for a continuous period of at least 6 months If the premiums of the Strong Foundation coverage are being waived on the rider expiry date, the waiver will continue as long as the insured remains totally disabled Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

12. Extended Protection Options Accidental Death Rider Provides additional benefit in the event of accidental death Benefit is paid in addition to the base certificate should an accident death occur within 365 days, of and due to, the accidental bodily injury An affordable way to provide extra coverage to safeguard loved ones in case of accidental death Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

13. Extended Protection Options Children’s Term Rider Provides level term insurance for each child of the insured Benefit is payable for a death of an insured child • One low premium ($5 per month) covers ALL insured children • Can convert up to $50,000 to permanent insurance without evidence of insurability Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

14. Financial Protection Option Living Rewards Rider Provides LRR benefit (return of premiums) at the end of the 30-year term if the insured survived Return of 100% of eligible premiums paid at the end of 30-year term period; minus: • Outstanding loan plus interest • CIR benefits paid Insured can access the growing value of the LRR benefit through an easy access loan – no qualification required Benefit Payout Key Advantages For Producer Use Only (See notes page for more product highlights)

15. Strong Foundation State Availability • No life event requirements and new premium rates for all 49 states and DC For Producer Use Only (See notes page for more product highlights)

16. Applying for Strong Foundation • Complete application – check out ezbiz for correct state versions • When filling out product details page – skip the life event questions if applying for simplified issue – LRR available with 30-year term only • If applying for CTR, DIR and CIR, supplemental forms must be completed and submitted with application • Other point of sales forms may be required • Collect standard non-smoker or smoker premium to avoid delays - Even if client qualifies preferred rates • Supporting materials available on ezbiz: • Guide to Completing the Application • 4 Easy Steps to Submit Business With Foresters For Producer Use Only (See notes page for more product highlights)

17. Underwriting Key Points • Refer to Foresters Underwriting Guide’s Impairment Guide section before submitting SI applications – it lists impairments that will be accepted or rejected (helps improve approval rates!) • Underwriting will decline if applicant does not qualify for SI – will not automatically move the case to F U/W • If applying for F U/W – producers order age & amount requirements – See Underwriting Guide for details on approved paramedical companies • For all applicants over age 75: • Activities of Daily Living questionnaire is required • Underwriting will order APS • Foresters Underwriting Guide available on ezbiz includes: • Age & amount requirements • Preferred class criteria & build charts • Impairment guide for Simplified Issue For Producer Use Only (See notes page for more product highlights)

18. Supporting Materials/Tools • Consumer brochure (503258 US 08/08) • Product guide (850004 US 03/09) • rate books (406052 US 02/09 & 406053 MT 02/09) • Coverage at a glance worksheet (405728 US 08/08) • Mortgage protection fact sheet (850001 US 08/08) • Advance marketing – Living Rewards Rider (503117 US 03/09) • Illustration software (web base & desktop download) • And more…. Visit ezbiz for details or call: Distribution Support 1 877 NAA 4BIZ (1 877 622 4249) New For Producer Use Only (See notes page for more product highlights)

19. Foresters Difference • Fraternal benefit society • Member-based organization • 135-year tradition of caring and giving • $1.2 billion surplus • “A” (Excellent) rating by A.M. Best All Figures are as at February 2009 and in Canadian dollars For Producer Use Only (See notes page for more product highlights)

20. Benefits of Membership • Insured customers are members • Help members to achieve financial security • Beyond traditional insurance products • Benefits of membership • Member benefits For Producer Use Only (See notes page for more product highlights)

21. Fraternal Benefits • Opportunities to attend special events for members, their families and friends • Opportunities for community involvement • Members can give back to causes close to their heart • Get involved with charity or create local partnership, with support from Foresters • Opportunities to participate in governance through local member network (Branch system) • Visit www.foresters.com/getmore For Producer Use Only (See notes page for more product highlights)

22. Member Benefits • Complimentary, available at no extra cost • Additional benefits beyond life insurance or annuities • Non-contractual • Non-guaranteed, may change • At issue, do not need to apply or be underwritten For Producer Use Only (See notes page for more product highlights)

23. Member Benefits • Available to all eligible Foresters members and immediate family • Subject to eligibility requirements and limitations (described in materials on website) • Provide financial value • Assistance during times of need • Value-added benefits • Get more from membership For Producer Use Only (See notes page for more product highlights)

24. Member Benefits Brochure Member Benefits • Critical Illness member benefit • Terminal Illness member benefit • Competitive Scholarship member benefit • Orphan Scholarship member benefit • Young Family member benefit • Visit www.foresters.com for details For Producer Use Only (See notes page for more product highlights)

25. Value of Member Benefits • $6.0 Million Grants Paid in 2007 • $2.4 million for 1,200 education grants • $2.2 million for Competitive Scholarships • $1.7 million for 1,500 medical grants • $1.6 million for cancer claims • $1.9 million for 130 other grants • Terminal Illness loans, monthly payments for care of orphans and others For Producer Use Only (See notes page for more product highlights)