Now, there’s a solution for every client.1

 

Congratulations on 40 years of making a difference.

Have a previously or potentially declined client?

You have more options for your harder to insure, declined or postponed clients with Canada Protection Plan® from Foresters Financial™ and our affordable, no medical², simplified issue life insurance and critical illness products. Use this competitive edge to take your business to the next level.



Have a ‘harder to insure’ client?

Get up and running in 3 easy steps.
quote icon

1. Run a quote

Once you determine eligibility, click here to access Canada Protection Plan Illustrator and run a quote for simplified issue products. .

Register for eAccess

2. Register for eAccess

Click here to register your advisor code for eAccess, an easy-to use online quoting tool and e- application for simplified issue products.

submit

3. Track your business easily

Managing your business is easy too. Once you have registered, you can submit applications using eAccess. Contact sales@foresters.com to track your business.



A diverse suite of products for your clients

Your client should apply for our no-medical, simplified issue products if they:

  • Are harder to insure due to their medical background: history of cancer, diabetes, cardiac, etc.
  • Are harder to insure due to lifestyle, foreign travel or career choices
  • Have been declined or postponed
  • Are looking for simplified life and critical illness coverage

Don’t forget, payments start in the second month! (applicable to monthly payment plans). Your clients will love that.


 

Webinars and Seminars


Webinars

March 19th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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March 19th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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April 16th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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April 16th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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May 14th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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May 14th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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June 18th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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June 18th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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July 16, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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July 16, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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August 13th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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August 13th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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October 15th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m PT
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October 15th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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November 19th, Thursday - Session 1 7:00 p.m. ET/ 4:00 p.m. PT
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November 19th, Thursday - Session 2 10:00 p.m. ET/ 7:00 p.m. PT
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How do our no medical, simplified issue products fit with your clients?


A-Z Life Coverage3 for harder to insure clients
  • True no-medical, simplified experience up to $500,000
  • T10, T20, T25
  • Clients with some health issues (e.g a history of cancer, cardiac, diabetes)
  • Clients who have been previously declined or postponed
  • Clients who have a high-risk job or participate in hazardous or extreme sports/hobbies
  • Payments don’t start until second month (applicable on monthly payment plans)

 


Advisor Guide

For information purposes only. This reference is intended to answer your questions and provide ideas to help you sell A-Z Life Coverage.

Underwriting Guide

Your field underwriting resource to help you understand A-Z Life Coverage underwriting practices.

Training app

This tool is to be used for helping to determine plan eligibility and training purposes only.

Client Worksheet

Use this worksheet to highlight the many features and benefits of our life insurance.


Express Elite Term Insurance Coverage4 for clients who are looking to travel
  • True no-medical, simplified experience up to $750,000 ($500,000 over age 50)
  • T20 or T30
  • Automatically eligible for a CI rider
  • Coverage for clients who are looking to travel over 2 consecutive weeks (if over 12 consecutive weeks, apply for A-Z Life Coverage)
  • No financial underwriting required
  • Payments don’t start until second month (applicable on monthly payment plans)

 

Advisor Guide

For information purposes only. This reference is intended to answer your questions and provide ideas to help you sell Express Elite.

Client Worksheet

Use this worksheet to highlight the many features and benefits of our life insurance.


Critical Illness Insurance4 for clients seeking affordable and convenient coverage
  • 4 no medical, simplified issue CI plans
  • Up to $100,000 of protection to age 75
  • Very affordable premiums
  • Coverage possible for cancer survivors or people with a history of cardiac disease
  • May be eligible to apply, even with a pre-existing condition
  • Up to 8 covered conditions
  • Payments don’t start until second month (applicable on monthly payment plans)

 

Advisor Guide

For information purposes only. This reference is intended to answer your questions and provide ideas to help you sell Critical Illness.

 

Our Term Insurance portfolio consists of 3 distinct plans


Deferred Elite Term Insurance
Issue ages 18–70: 10 year term
18–60: 20 year term
18–55: 25 year term
18–60: Decreasing 25 year term
Face amounts Ages 18–70: $25,000–$350,000
Level Term Periods Available 10 year
20 year
25 year
Decreasing Term Periods Available 25 year
Premium limitations Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00.
Renewable without evidence of insurability on Term 30 plan for 20 years $100,000 Renewable to age 80*
Convertible? Convertible to age 70**
Death limitations(in addition to typical suicide and misrepresentation clauses) The full coverage amount is payable if death occurs after two years or death is accidental. If death occurs in the 2nd year and is due to non-accidental means, then the death benefit is equal to 50% of the coverage amount. If death occurs in the first year and is due to non-accidental means, then the death benefit is limited to a return of premiums paid plus 3% simple interest.
Guarantees Premiums quoted in the policy are guaranteed not to change for the life of the policy.
Optional additional benefits
  • Up to 2 Term riders
  • Accidental Death Benefit
  • Child Term Benefit

*10, 20 and 25 year level term plans are renewable and convertible.


Simplified Elite Term Insurance

Simplified Elite Term is one of the few no medical plans available which provides immediate coverage. This plan is available for up to $500,000 for periods of 10 years, 20 years or 25 years and is designed for people who are in relatively good health or engage in extreme sports, or do not want to take a medical exam or provide a doctor’s report.

Issue ages 18–70: 10 year term
18–60: 20 year term
18–55: 25 year term
18–60: Decreasing 25 year term
Face amounts Ages 18–60: $25,000–$500,000
Ages 61–70: $25,000–$350,000
Level Term Periods Available 10 year
20 year
25 year
Decreasing Term Periods Available 25 year
Premium limitations Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00.
Renewable without evidence of insurability on Term 30 plan for 20 years $100,000 Renewable to age 80*
Convertible? Convertible to age 70**
Death limitations(in addition to typical suicide and misrepresentation clauses) No limitations
Guarantees Premiums quoted in the policy are guaranteed not to change for the life of the policy.
Optional additional benefits
  • Up to 2 Term riders
  • Accidental Death Benefit
  • Child Term Benefit
  • Hospital Cash Benefit

*10, 20 and 25 year level term plans are renewable and convertible.


Express Elite Term Insurance

Express Elite Term has low rates for those in great health looking for no medical and simplified issue life insurance. This plan offers up to $750,000 in coverage for ages 18-50 and up to $500,000 for ages 51-60. It is available as a Term 20 (ages 18-60) or Term 30 (ages 18-50). Coverage starts immediately and expires at age 80. If your client qualifies for Express Elite, they are pre-approved for Critical Illness Insurance.

Issue ages 18–50: 30 year term
18–60: 20 year term
Face amounts Ages 18–50: $100,000–$750,000
Ages 51–60: $100,000–$500,000
Level Term Periods Available 20 year
30 year
Premium limitations Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00.
Renewable without evidence of insurability on Term 30 plan for 20 years $100,000 Renewable to age 80*
Convertible? Convertible to age 70**
Death limitations(in addition to typical suicide and misrepresentation clauses) No limitations
Guarantees Premiums quoted in the policy are guaranteed not to change for the life of the policy.
Optional additional benefits
  • 1 Term rider
  • Accidental Death Benefit
  • Child Term Benefit
  • Hospital Cash Benefit
  • Critical Illness Rider

*30 year level term plans are renewable.
** 20 year and 30 year level term plans are convertible to age 70.


 

Member benefits

Beyond life insurance

Most people buy a life insurance policy and put it in a drawer until something bad happens. It’s different with Foresters. Your insured clients become members of a vibrant community with a suite of member benefits5 they can use right away.

 

member benefits



 

Frequently Asked Questions


Will my Canada Protection Plan selling code be the same as my Primerica Solution Number?

Your selling code with Canada Protection Plan is the same as your Primerica Solution Number but with the prefix ‘PR’ in front of it.

(ie. Primerica Solution Number 123AN = PR123AN)

 


I’m contracted with Canada Protection Plan! How do I submit business?

Once your account is set up with Canada Protection Plan and you receive a confirmation email, you can register for our eAccess platform here.

Don’t forget to register using your new 7-character Canada Protection Plan selling code (starting with PR).

Once your registration has been approved, you can login here.

 


What products are available through Canada Protection Plan from Foresters Financial?

There are 3 main products available:
A-Z Life Coverage for declined and harder to insure clients
Express Elite Term for clients who are looking to travel
Critical Illness for clients seeking affordable and convenient coverage

 


How do I quote your products?

Once you determine eligibility, you can quote using our illustrator on eAccess.

 


Who should I contact if I need help?

For product eligibility and eAccess: sales@foresters.com

For contracting inquiries: primericacontract@foresters.com

Click here to find your Regional Vice President (RVP)

 


 

Our Dedicated Primerica Services

Emails:

Contract Set Up: primericacontract@foresters.com
New Business: newbusiness@foresters.com
Inforce: customerservice@foresters.com
Underwriting Inquiry: underwriting@foresters.com
Illustration/Sales Support: sales@foresters.com

Bilingual Primerica dedicated Support line: 1-877-796-9090

Working hours: 9:00 a.m. – 6:00 p.m. ET


¹For ages 18-80.

²Insurability depends on answers to medical and other application questions and underwriting searches and review.

³Underwritten by The Independent Order of Foresters.

4Underwritten by Foresters Life Insurance Company.

5Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available.

Canada Protection Plan and the logo are trademarks of Canada Protection Plan Inc. from Foresters Financial. No medical, simplified issue life and critical illness insurance underwritten by The Independent Order of Foresters or Foresters Life Insurance Company. Foresters Financial is a trade name and trademark of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, ON, Canada M3C 1T9) and its subsidiaries. For advisor use only. Not for use with the public

For Advisor use only
425016 CAN 02/26.