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Independent Order of Foresters Health Insurance

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.

3 Comments to “Independent Order of Foresters Health Insurance”

  1. Doris King says:

    “They will take money that they are not entitled to, they will take money out for cancelled policy’s a month after it is cancelled. They took money out of my account for 5 times the amount of my policy, took out money for a cancelled policy and then you have to fight tooth and nail to TRY and get your money back.

    Then when all of this is going on your agent is not any help, then the agent quits even talking to you and won’t finish helping you to get your money back. Then when they do give you your money back it is a little here and a little later, then they try and find reasons to keep some of the money. They still owe me money that they took out for a cancelled policy, they covered the bounce fee but they have not given me my money back yet!

    I WILL NOT QUIT UNTIL I GET MY MONEY BACK even if I have to contact the insurance fraud department of each state and country that the operate in. I have sent them everything that they need, copies of all bank statements, copies of all conversations stating about the “”mistake”” of taking money out for a cancelled policy, and now I have started sending emails to the insurance fraud in the state of Alabama because the are not giving my money back nor or the calling or contacting me in any way. The keep saying that they have the wrong phone number when I call and I give them my phone number every time I talk with them or send emails..

    Stay away from Foresters insurance!!”

  2. Bonnie Simmons says:

    “Foresters is a great company and they do stand behind their products.

    Life insurance is already a need in most people’s lives. And to be part of a community and help with charity work is even better! You can’t go wrong with Foresters! :)”

  3. Marie Hedgpeth says:

    “Foresters is the worst company that I have ever had the pleasure of dealing with. They will not talk to you on the phone. All correspondence occurs via USPS. The agent did not tell us that the company was located in Canada.

    I also asked if there was a 2-year contingency on this policy and was told no. When a claim was filed I was instructed that the policy was invalid therefore there is no claim and I would only be entitled to my premiums back but I do not know it has been 6 months since the claim was filed and I am still waiting.”


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