Foresters Financial, reviewed.
Foresters Financial is a fraternal benefit society founded in 1874 — which means its policies come with member benefits beyond the coverage itself. The bottom line: a financially solid carrier with a genuinely different model, and a PlanRight final-expense plan that prices competitively while adding perks most insurers don’t.
✓ Independent & consumer-first✓ 26 years in business✓ Every major carrier reviewed✓ Licensed in all 50 states
What it does well
Coverage that comes with more.
Foresters’ real edge isn’t a gimmick — it’s the fraternal model, where buying a policy also makes you a member with benefits attached.
Member benefits, not just a policy
As a fraternal society, Foresters bundles extras with coverage — community grants, member scholarships, and complimentary services most insurers don’t offer.
A 150-year track record
The Independent Order of Foresters has operated since 1874, making it one of the oldest names still writing life insurance today.
Final expense with a day-one option
Its PlanRight plan offers immediate (full day-one) coverage for those who qualify, plus a graded version for tougher health.
Participating whole life
Foresters’ permanent policies can earn dividends — not guaranteed, but a feature that can add value to the coverage over time.
Term coverage too
Beyond burial coverage, it writes term life — useful if you need a larger amount for a working-age season of life.
Sold through independent professionals
You reach Foresters through independent professionals, so its plans are compared to the market rather than pitched alone.
Curious what the member benefits are worth to you? A licensed professional will walk through them and compare the rate. No obligation.
Call (888) 959-0710The plans
PlanRight, whole life, and membership.
Foresters covers the usual final-expense need and adds the fraternal layer on top (per Foresters):
PlanRight
Final expense
Whole life sized for a funeral and small bills — in an immediate (day-one) version for good health and a graded version for tougher histories.
Whole life
Larger permanent
Permanent coverage that can earn dividends (not guaranteed), with cash value that builds over the years.
Membership
The extras
Community grants, member scholarships, and complimentary services that come with being a Foresters member — value beyond the death benefit.
Compare the market
Where Foresters lands on price.
For one common profile, here’s Foresters’ PlanRight beside other A-rated final-expense carriers — competitive, and that’s before counting the member benefits. Rates still move with age, sex, health, and state, so confirm it wins for your profile:
| Carrier | Product | Monthly · $10,000 |
|---|---|---|
| Transamerica | Immediate Solution | $40.73 |
| Mutual of Omaha | Living Promise | $41.01 |
| Americo | Eagle Select 1 | $41.63 |
| Foresters FinancialThis carrier | PlanRight | $43.38 |
| Aflac | Final Expense | $43.99 |
| Corebridge Financial | SimpliNow | $44.79 |
| American-Amicable | Senior Choice Immediate | $47.05 |
| American-Amicable | Golden Solution Immediate | $47.48 |
| CVS Health | Final Expense | $47.60 |
Sample monthly rates: female, age 65, $10,000 level coverage, North Carolina, best available class, as of June 2026. Rates vary by state, age, sex, health, and underwriting class. Quotes are estimates, not offers. Your figure depends on your own profile.
Is it a good fit?
Great when you’ll use the membership.
Foresters fits well when the price is competitive for you and the member benefits are ones you’d actually use — a scholarship for a grandchild, the community grants, the complimentary services. For the right family, that combination is hard to match.
If you wouldn’t use the extras, judge it on price like any other carrier — and compare. The member benefits are a real plus, not a reason to skip the comparison.
Foresters gives you coverage and a membership. If you’ll use both, it’s a standout. If you only need the coverage, we’ll make sure the price still earns its place.
Already a member?
Make sure you’re using what you’re owed.
If you already have Foresters coverage, a licensed professional will read it with you, check the rate against the market, and — just as important — make sure you’re actually using the member benefits you’re entitled to. Many people never claim them.
Free · no obligation · Mon-Sat · 10am-9pm
- Which member benefits you qualify for and haven’t used
- Whether you’re on the immediate or graded PlanRight plan
- Whether another A-rated carrier beats it on price
- That your beneficiary is current and correct
Straight answers
Foresters questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is Foresters Financial legit?
Yes. Foresters Financial — formally The Independent Order of Foresters — is a fraternal benefit society that has operated since 1874 and serves members across the U.S., Canada, and the U.K. It’s a real, established insurer that pays claims.
02What is a fraternal benefit society?
It’s a membership-based insurer that returns value to members beyond the policy — things like community grants, scholarships, and member services. With Foresters, buying coverage also makes you a member, with access to those benefits. It’s a genuinely different model from a stock insurer.
03What does Foresters offer?
Its PlanRight final-expense whole life — in immediate (day-one) and graded versions — plus participating whole life that can earn dividends, and term life. Most families come to it for PlanRight or for the member benefits that come with the coverage.
04How much does Foresters cost?
It depends on your age, sex, health, coverage amount, and state. As an illustration, a $10,000 level PlanRight policy for a 65-year-old woman in our sample ran about $43 a month — a single profile, not a quote. A quick call gives you a real figure for your situation.
05How do I reach Foresters customer service?
Members can reach Foresters through the number on their policy or at foresters.com. If you’d like someone to read your policy with you first — and make sure you’re using the member benefits you’re entitled to — a licensed professional on our team can help.
06Is Foresters a good choice?
For final expense, it’s a solid option, and the member benefits can tip the scales if you’d actually use them. Whether it’s the best value comes down to how its rate compares to other A-rated carriers for your age and health — which a free review settles quickly.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Foresters Financial or The Independent Order of Foresters; product names are used for identification only. Plan details come from the carrier and can change — confirm current terms with Foresters. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will weigh Foresters’ price and member benefits against the broader market for your age and health — and tell you straight what’s best.