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Independent Order of Foresters Health Insurance

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

A review of the Independent Order of Foresters Health Insurance company finds the much more simplified company called only Foresters. Although licensed to sell life, accident, and health insurance, the Canadian-based Foresters only sells life insurance policies at this time.

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In addition to life insurance and what it terms “lifestyle protection” products, Foresters also offers a line of annuities and investment products, such as IRAs, mutual funds, and 529 savings plans for college. Because policyholders and customers are members and not just numbers, the company is very focused on products and activities that benefit member families and communities as a whole.

Foresters History

Forester has a colorful history, dating back to its founding in Ontario in 1881 as the Right Worthy High Court of the Independent Order of Foresters. In 1890, the company received a New York license to conduct business in the United States as a fraternal benefit organization. In 1913, the company dropped half of its name, shortening it to the Independent Order of Foresters.

In the last 85 years, seven other fraternal societies have merged with Foresters. These include the Modern Brotherhood of America, the Royal Clan Order of Scottish Clans, and the Catholic Mutual Benefit Organization. Foresters acquired the Canadian Forester Life Insurance Society in 1992.

Forester’s Common Bond principles are threefold. First, the organization focuses on helping its members and their families. Second, Foresters encourages a feeling of community and cooperation among its members. Lastly, it strives to share its success and prosperity to communities in need. More than just an insurance company, Foresters is a mutual aid society where policyholders are members of one large family.

Foresters currently has members in Canada, the United States, and the United Kingdom.

Foresters Contact Information

If you are currently a Foresters policyholder and need to speak to a customer service representative, access your member benefits, or find a mailing address, here is Foresters Contact Information.

In the U.S.:

P.O. Box 179
Buffalo, New York 14201

In Canada:

789 Don Mill Road
Toronto, Ontario M3C 1T9

In either the U.S. or Canada:

Phone: 416-429-3000
Toll-free: 1-800-828-1540
Email: [email protected]
Toll-free Member Benefits: 1-800-444-3043

For Unity Life Policyholders:

Unity Life
P.O. Box 1098, Station F
50 Charles Street East
Toronto, ON M4Y 2T7
Toll-free: 1-800-267-8777
Email: [email protected]

For policyholders in the U.K.:

Foresters House
Cromwell Avenue
Bromley, Kent BR2 9BF
Phone: 08457-99-00-11
Email: [email protected]

Foresters Life Insurance Products

In the United States, Foresters of what it terms “lifestyle protection products.” Its life insurance policies include:

  • Term life
  • Whole life
  • Universal life
  • Variable universal life

Term life insurance offers benefits in the event of your death, covering financial needs such as mortgages, tuitions, business interests, and future investments. Term life also provides “living benefits” that help protect you and your family if something potentially catastrophic, such as a disability or unexpected illness, happens to you.

Whole life insurance features premiums that stay consistent and affordable over the entire insurance term. Whole life insurance should be purchased if you are looking to provide coverage for end-of-life costs such as funeral expenses.

Universal life insurance policies from Foresters provide lifelong insurance coverage, as well as a long-term savings component. The money you pay into your universal life insurance plan accrues, and you can borrow from or withdraw the cash value of the plan. Just be aware withdrawing money from this insurance plan could end up lowering the death benefit payout after you die. The universal plan also features options for disability or accidental death coverage.

Foresters’ variable universal life insurance plan builds upon the basic universal plan by taking the premiums you pay and investing them into money market accounts. The costs associated with the insurance, policy, and administrative fees are taken out first, and the remaining money is invested. You determine how conservatively or aggressively to invest your funds.

Foresters Careers

Because Foresters is so supportive of its members and so focused on their overall well-being, you can bet that the company is going to be very supportive of its employees too. On its website, Foresters offers three different links to job opportunities, including career opportunities in its North American Service Center, corporate headquarters, and actuarial department. To find out more, you can look at the respective web links and, if interested, you can apply by submitting your resume to the corresponding email addresses given.

Forester’s culture is driven by its values, and the company takes pride in giving its employees a rewarding work experience. Employee benefits include:

  • Medical, dental, and life insurance
  • Competitive compensation
  • Confidential employee counseling services
  • Performance recognition

Foresters isn’t going to help you with health insurance coverage, but we still can. Type your zip code into the box below and you’ll be able to peruse a selection of health insurance rates from top providers in your area.

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