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Foresters Member Benefits
Foresters member benefits are, subject to the rules laid out below, included automatically in Canada Protection Plan products.
Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.
Unique Benefits For Everyday Families
At Foresters™ you are more than a customer. You become part of a member-based life insurance organization that enhances the lives of our members, their families and the communities where they live. We don’t just provide life insurance; we deliver a whole range of member benefits1, many of which are complimentary. That’s because our focus is on you, our members and your families.
We believe that by helping ease the financial burden that comes with some of life’s challenges and momentous events, we may help you and your family continue to get more out of life.
Each year, the Foresters Competitive Scholarship Program2 offers up to 250 renewable tuition scholarships worth up to $8,000 each, for which eligible members and their families with minimum grades of 70% (Canada) or 2.8 grade point average (US) and a minimum of 40 hours of community service may apply. Five Ken Peterson Awards for Community Service are also granted annually to applicants who have demonstrated exceptional leadership and extraordinary effort and ability to overcome adversity. The winners of the Ken Peterson Award may receive up to $11,000 ($5,000 in the first academic year and $2,000 per year thereafter).
This benefit may provide the children of deceased members with a renewable scholarship for higher learning for up to four years to cover tuition and maintenance. Scholarship amounts may range from $1,500 per year to $6,000 per year.
Emergency grants may be available to provide short-term, temporary financial assistance to members affected by significant personal hardship, disaster or large-scale emergency. This benefit is a one-time, per disaster, per household payment.
As a Foresters member, you can apply for funding for your own community projects that respond to a real need and have a positive impact on your community.
1 Foresters member benefits are non-contractual, subject to eligibility requirements, limitations and restrictions and may be changed or cancelled without notice.
2 This program is administered by International Scholarship and Tuition Services, Inc. Recipients of the Ken Peterson Award for Community Service do not also receive the Foresters Competitive Scholarship.
Members may receive benefits including:
A toll-free, personalized and confidential phone-based financial helpline giving them access to accredited and counselors who can answer their questions about day-to-day management of their money
Access to complimentary and discounted legal services in a member’s area. They may be able to connect with lawyers for help with a variety of issues including wills, home ownership and family law.
A monthly payment for orphans, which may pay $900 per month per child to the legal guardian for children under 18 years of age in the event of the death of both parents.
Community And Volunteering
Each year Foresters offers many wonderful fun events that give a chance for members and their loved ones to relax and connect with each other in such activities as visiting an amusement park and attending baseball games.
Members may have opportunities to become involved in volunteer activities such as playground builds.
Through Foresters volunteer leadership opportunities; members may have access to personal development, and social interaction. Foresters volunteer leaders champion the well-being of families by organizing fun family events and volunteer activities. Members may participate in Foresters governance. As such, they may stand for a Foresters elected position or vote for members who do.
Eligibility For Member Benefits
Foresters member benefits are part of your Foresters Membership and offer you and your family additional protection. Eligibility requirements vary by benefit. You, as an eligible member, can apply for member benefits as long as you meet the benefit specific requirements.
There is one membership per family regardless of the number of Foresters in force certificates held or persons insured. Benefits packages are assigned by member household only, under the name of the first individual (including children under the age of 16) who is the insured or annuitant under a Foresters in force certificate within that household.
Who Is Eligible?
Foresters member benefits may be available to the following individuals, subject to benefit specific eligibility requirements:
- Primary insureds and annuitants under an in force Foresters certificate or rider and their immediate family members.
- Holders of an in force Foresters Social Fraternal Membership and their immediate family members.
- Junior members of Foresters (minors) are eligible for member benefits except in the case of community and member involvement events where the junior member must be accompanied to the event by his/ her parent.
- Benefits do not extend to parents and legal guardians of a junior member of Foresters.
- Immediate family members include the spouse and children, including children under the care of legal guardians who are the holders, insureds and annuitants described above. Benefits do not extend to individuals outside of the immediate family, such as siblings or other relatives, except in the case of the Competitive Scholarship which extends to grandchildren.
Social Members, Branch Community Members who are currently in a Branch Councilor role and Registered Non-Voting Members are only eligible for the Competitive Scholarship member benefits and Member Involvement and Community Investment events.
Definition Of Terms
- Children means the biological and legally-adopted children or step-children of an eligible member who are unmarried and under the age of 25 years, provided the eligible member is legally responsible for the financial support of such children at the time application for the benefit is made.
- Children under the care of a legal guardian means any children who are unmarried and under the age of 25 years, provided the eligible member has been appointed by a court as the legal guardian for the children at the time application for the benefit is made.
- Grandchild means a biological and/or legally adopted grandchild or step-grandchild under the age of 25 years, provided at least one legal grandparent is the eligible member at the time application for benefit is made.
- Grandparent means an eligible member who has one or more grandchildren biologically or through legal adoption or step-grandchildren.
- Immediate Family means the eligible member, his/her spouse and biological and/or legally-adopted children or step-children. In the case of the Competitive Scholarship, this is also includes biological and/or adopted grandchildren or step-grandchildren.
- Junior Member is a member in good standing who is insured under a certificate issued by Foresters and is under the age of 16.
- Legal guardian means a person who has been court appointed as legal guardian for the child/children, has financial responsibility for one or more children, and can legally act on the child/children’s behalf.
- Member means a person who is an insured or annuitant under an applicable in force life or annuity products offered by Foresters or its Canadian life subsidiary, or a holder of an in force Social Fraternal Membership, or one who is registered as a Non-Voting Member.
- Minor means those who are under the 16 years of age.
- Non-Voting Member is an individual who is under 16 years of age for whom an application for Foresters membership has been made and accepted and who is insured under an applicable in force life or annuity products offered by Foresters or its Canadian life subsidiary.
- Parent means a person who is biological, step- or adoptive parent of a child, and includes a person who, at the discretion of Foresters, is acting as the child’s parent (in loco parentis), or who is that child’s legal guardian.
- Single Parent means a person who is either widowed, has never been married, or is divorced or separated, and is the sole provider for the maintenance and support of his/her children. The determination of whether a Parent is a Single Parent will be at the sole discretion of Foresters.
- Social Fraternal Member means a person who holds an in force Social Fraternal Membership prior to June 13, 2001: A Social Fraternal Member pays annual dues and /or membership fees.
- Spouse means a person who is legally married or in a common-law relationship with the eligible member (common-law relationship means cohabitation in a relationship of some permanence continuously for at least two years).