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Foresters Financial Final Expense Insurance Review


ConsumersAdvocate.org Rating: 4.2 / 5 (Excellent)
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Headquartered in New York, Foresters Financial is a financial services provider with over a hundred years of experience. It was founded in 1874 and now serves more than three million customers. The company offers financial services including life insurance, retirement planning, and final expense insurance among others.
 
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How is Foresters Financial rated?

Breakdown

4.3/5
Policy Features
4.3/5
Qualifications
4.0/5
Financial Strength
4.5/5
Customer Experience

Overall Rating: 4.2 / 5 (Excellent)

Foresters Financial offers a whole life final expense insurance called "PlanRight Life Insurance." The company does not require the customer to pass a health exam, but it does require them to answer a questionnaire and meet specific requirements, including being within an age range. The company has strong financial ratings with an A grade with AM Best and over 140 years of experience.

Foresters Financial Policy Features

Policy Features - 4.3 / 5

Foresters Financial's final expense insurance, or as they call it, "PlanRight Life Insurance," is a whole life policy. In order to qualify for it, the applicant must answer questions regarding their health and the consumer must also meet certain requirements. The product could be fixed, graded, or modified. The fixed death benefit gives the consumer 100% of the face value from the beginning. Graded and modified death benefit means you won't get 100% until the first two years pass. The consumer can also get extra coverage by adding the optional accidental death rider to the policy.

Policy Coverage Maximum

35000

Expenses Benefits Help Cover

  • Caskets
  • Funeral
  • Flowers
  • Cremation
  • Post-Funeral Reception
  • Newspaper Obituaries
  • Burial Plots
  • Headstone

Types of Insurance Products

  • Whole Life
Types of Premiums
Fixed
Restrictions on Benefit Usage
No
Accidental Death Coverage
Yes

Foresters Financial Qualifications

Qualifications - 4.3 / 5

In order to qualify for Foresters Financial's final expense insurance, the consumer must answer a series of questions pertaining to their health, and they must also meet the age requirement (be between 50 and 85 years old).
Age Range
50-85
Medical Exam Required
No

Foresters Financial Financial Strength

Financial Strength - 4 / 5

Foresters received an A rating with the A.M. Best Company, which is a highly reputable rating agency that focuses on the insurance industry. The company also boasts more than 140 years of experience, having been around since 1874.
Year Founded
1874
Company Type
Underwriter
A.M. Best Financial Rating
A

Foresters Financial Customer Experience

Customer Experience - 4.5 / 5

Foresters Financial only has one review on the Better Business Bureau, and although it is categorized as a "negative" review, the company responded to it and the original poster indicated that the issue was resolved professionally and efficiently. It's also worth pointing out that the company only had one complaint with the National Association of Insurance Commissioners in 2017.
BBB Rating
A-
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
1
NAIC Complaint Ratio 2018
0.23
NAIC Total Complaints 2017
1
Date Collected
2018-07-25

Company Profile

Full Name
Foresters Financial Final Expense Insurance
Company Website
https://www.foresters.com/en
Headquarters
Foresters Advisory Services, LLC 40 Wall St, 10th Floor, New York, NY, 10005

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  • No waiting period – fast approval process
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  • 4.2 million current policyholders
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