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					    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




January 2007                                         Foresters “ Page 3
Foresters Strong Foundation
Level Term Life Insurance January 2007 release
   Look for the new or enhanced features
Strong Foundation Product Features




January 2007   Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 5
Strong Foundation Product Features con’td




January 2007   Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 6
Advantages of Strong Foundation
“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)
January 2007                      Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 7
 Foresters Strong Foundation Highlights
 January 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 9 th
            “Issue ages 40 to 80 (age last birthday)

 January 2007                       Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 8
 Foresters Strong Foundation Highlights
 January 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+)
                                                                                                             (was $500K+)
“ 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




 January 2007                     Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 9
Foresters Strong Foundation Highlights
January 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



 January 2007                         Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 10
Foresters Strong Foundation Highlights
January 2007 release
Accident & Illness Options
“Disability Income (DI) Rider (Accident Only)
       “   Non-coordinated
       “   Own Occupation definition
       “   2 claims per policy (2 nd claim will be ‚Any Occ‛)
       “   90 day waiting period/24 month benefit period
                                                                                                                                                        1
       “   Can be added post-issue ” up to 5 yrs from issue date                                                                                        2
                                                                                                                                                          Injury Facts, National Safety Council (2003 Edition) page 10;
                                                                                                                                                          Karter MJ. Fire loss in the United States during 2002. Quincy (MA):
       “   100% of DI premiums paid (less sum of DI benefits paid) are returned if the                                                                  National Fire Protection Association, Fire Analysis and Research
                                                                                                                                                        Division; 2003;
                                                                                                                                                        3
                                                                                                                                                          Injury Facts, National Safety Council (2003 Edition) page 86;
           insured dies while DI Rider is in effect                                                                                                     4
                                                                                                                                                          Injury Facts, National Safety Council,(2003 Edition), page 2.


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


January 2007                        Overview only, full product details, state variations/restrictions, & availability located on your producer site.                                         Foresters “ Page 11
Foresters Strong Foundation Highlights
January 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                                                                                                                       Source: ‘Return of Premium Riders Catch On’, The
                                                                                                                                                                         National Underwriter, September 2006
               “ 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)                             $25,000




               “ Premium Quote Calculator                                                  $20,000


                  “ Show your clients the value of the easy access loan feature
                                                                                           $15,000

                  “ Generate rate of return examples for your clients
                                                                                           $10,000




                                                                                            $5,000




                                                                                                $0
                                                                                                     1      3      5       7      9         11       13       15       17       19       21   23   25      27    29
                                                                                                                                                Foresters S trong Foundation
                                                                                                                                      Living Rewards Rider (30-year Level Term Period)




January 2007                           Overview only, full product details, state variations/restrictions, & availability located on your producer site.                                                Foresters “ Page 12
 Foresters Strong Foundation Highlights
 January 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)




 January 2007                        Overview only, full product details, state variations/restrictions, & availability located on your producer site.   Foresters “ Page 13
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                                                                                            Foresters “ Page 14
Application form
One stop shop
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                                                                                                       Foresters “ Page 16
Distribution support
               Updated Marketing Collateral




                                              Distribution Support
                                               1 877 NAA 4BIZ
                                                  (1 877 622 4249)
                Updated Product Technical Guide                      Updated Premium Quote Calculator




January 2007                                                                                            Foresters “ Page 18
Foresters
       130 years strong
                   Build your business with
                   Foresters Strong Foundation
               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                                                                                           Foresters “ Page 20
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
January 2007                                                                       can be located on your producer site.                                        Foresters “ Page 21
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                                                                 Foresters “ Page 22

				
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