10 Best Cash Value Whole Life Insurance Companies

Foresters

foresters whole life insurance 

Advantage Plus Whole Life is a cash value policy that offers the option of 20 pay whole life or pay to 100 whole life.  You may also qualify to receive dividends from this policy. Foresters has a solid dividends record even during times when the stock market has been down over 25%.  

During those difficult times, in the past, Forester’s dividends were 7.9%. Foresters PlanRight has three plans to choose from:

  • Level benefit
  • Graded benefit
  • Modified benefit

PlanRight Level Benefit offers a full death benefit payout from the first day of an active policy which is available for ages 50 to 85.  A maximum face amount of $35,000 is available for those up to 80-years-of-age and a face amount of $15,000 for those between the ages of 81 to 85. 

PlanRight Graded Benefit.  Should you pass away in the first two years, the policy pays 30% of the face amount in the first year and 70% in the second year.  This plan is available for those between the ages of 50 to 85 with a maximum amount of $20,000 up to age 80 and a maximum amount of $10,000 for ages 81 to 85. 

PlanRight Modified Benefit pays out a return of premium, plus 10% if you pass away within the first two years.  This is available for ages 50 to 80 with a maximum face value of $15,000. If these plans interest you, please give us a call we would be glad to go over the details with you.

Learn more: Foresters company review

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