Consolidated Insurance Services

Foresters
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Foresters provides life insurance and financial products to members in the United States, Canada, and the United Kingdom.  It is a fraternal organization that provides its members with complimentary benefits.  Foresters received an "A" (Excellent) rating by A.M. Best Company.

Member Benefit Services:
 
Terminal Illness - An interest-free loan of up to 75% of the net face amount of the Foresters life insurance coverage on a terminally ill insured person.
Benefit Amount = $4,000
 
Critical Illness - A one-time lump sum payment upon the initial diagnosis of cancer, heart attack, stroke or multiple sclerosis.
Benefit Amount = $250,000 maximum
 
Competitive Scholarship - Up to 350 scholarships of $2,000 per year per child for up to a maximum of 4 years of full-time post-secondary education.
Benefit Amount = $8,000 maximum
 
Orphan Scholarship - $1,500, $3,000 or $6,000 per year per child for up to 4 years of full-time post-secondary education, upon the death of one parent, a single parent, or both parents.
Benefit Amount = $24,000 maximum
 
Young Family - $300 per month per orphan child under age 18 provided to the legal guardian upon the death of both parents.
Benefit Amount = $64,800
 
Member events, Community involvement, and Personal development programs.
 

Flexible insurance coverage with three types of whole life plans:
 
-PlanRight with a Level Death Benefit:
Death benefit equals 100% of the face amount.
Maximum face amount $35,000 available, depending on age at time of application
 
-PlanRight with a Graded Death Benefit:
Death benefit limited to 30% of face amount in the first year, 70% in the second, and equals 100% beginning in the third year.
Maximum $20,000 available.
 
-PlanRight with a Modified Death Benefit:
Death benefit limited in the first two years to a return of premiums paid, plus 10% annual interest, and equals 100% of face amount beginning in the third year.
Maximum $15,000 available.
 
Whole Life minimum for WA: $25,000
Whole Life minimum for OR: $20,000

Consolidated Benefit Solutions * 1075 NW 123rd Ave #2 * Portland, OR * 97229

Your local independent agents serving Oregon & Washington