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About us

Canada Protection Plan from Foresters Financial is a leading provider of no medical, simplified issue life insurance in Canada1

We’re making it simpler to find coverage

Our life insurance plans are designed to make getting coverage easier with no medical exams, just health questions. You can apply through your advisor or directly through one of our Licensed Insurance Advisors at 1-877-851-9090.

Who is Foresters Financial?

Foresters Financial™ is an international financial services provider with deep Canadian roots. Headquartered in Toronto, Ontario, Canada, Foresters began in 1874 with a bold mission: to make life insurance accessible to everyday working families.

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Over 150 years later, Foresters Financial continues to provide life insurance and individual savings solutions that support long-term financial security, while also helping families live well today through meaningful member benefits2 and community grant programs.

In 2020, Foresters Financial acquired Canada Protection Plan®, combining Foresters well-capitalized, purpose-driven approach with Canada Protection Plan’s simplified insurance expertise and industry-leading distribution. The result? More Canadians can access flexible, easy-to-apply-for coverage that fits their lives.

Canada Protection Plan was among the first to expand the availability and accessibility of no medical, simplified issue life insurance products in the Canadian market. This coverage is now available through Canada Protection Plan from Foresters Financial. Whether you’re healthy, have health issues or are hard-to-insure, our Licensed Insurance Advisors or your independent advisor can help tailor a solution to meet your needs.

Simplified issue, no medical life insurance made easier

Choosing Canada Protection Plan from Foresters Financial means you benefit from over 150 years of history, backed by proven financial strength and stability.

When your coverage begins, you also become a Foresters member. With membership, you’ll have access to a suite of complimentary member benefits designed to support your health, wellness and community involvement.

We know how important your family’s future is. That’s why we uphold the highest standards in financial responsibility, giving you confidence that we’ll be there when you need us most.

These are just a few examples of the trust that individuals and advisors place in Canada Protection Plan from Foresters Financial.

A
 (Excellent)

AM Best Financial Strength Rating for the 24th consecutive year3

$630 million
 CAD

claims paid in 2024 supporting families in North America4

$11.2 million
 CAD

invested in 2024 to help our members enhance their well-being and give back to their communities5

Foresters Financial code of ethics

At Foresters, we take our obligation to conduct business in a highly professional and ethical manner very seriously. We live by our code of ethics in everything we do, enabling us to protect our customers from increased costs associated with fraudulent activities.

Our code of ethics:

  • Defines the guidelines and principles of ethical conduct and behaviour expected of all Foresters Financial directors, officers, employees, distributors and other representatives.
  • Increases awareness and understanding of the ethical principles under which we do business and conduct our volunteer activities.
  • Encourages, inspires and rewards ethical conduct while preventing misconduct in our organization.
Download our code of ethics
Learn more about Foresters Financial
  1. Insurability depends on answers to medical and other application questions and underwriting searches and reviews.
  2. Description of member benefits that you may receive assumes you are a Foresters Financial member. Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available. Some of these benefits may be administered by third parties. For further details, go to foresters.com.
  3. AM Best’s Financial Strength Rating addresses the relative ability of an insurer to meet its ongoing insurance obligations. An “A” (Excellent) Financial Strength Rating is assigned to companies that have a strong ability to meet their ongoing obligations to policyholders and have, on balance, excellent balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. A.M. Best assigns ratings from A++ to F, A++ and A+ being superior ratings and A and A- being excellent ratings. In 2024 A.M. Best assigned Foresters subsidiary, Foresters Life Insurance Company an “A” (Excellent) Financial Strength Rating. In assigning the ratings for The Independent Order of Foresters (Foresters Financial) and its subsidiary Foresters Life Insurance Company, the outlook for all ratings is “stable”, which means they are unlikely to change in the near future. See ambest.com for the latest ratings.
  4. Encompasses death and disability claims across all Foresters organizations.
  5. An $11.2 million CAD investment was made in member benefits, including Competitive Scholarships, Foresters Renew, LawAssure, Lifelong Learning, Foresters Go, Foresters Member Discounts, critical illness coverage, terminal illness coverage, orphan benefits, senior member benefits, Community Volunteer grants, Foresters Moments grants, Foresters Care grants, Branch Matching and Member Engagement grants. However, this investment does not include community sponsorships and donations. Member benefits are non-contractual and subject to change.

 

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© 2025 Plan de Protection du Canada. PLAN DE PROTECTION DU CANADA et le logo sont des marques de commerce de Plan de protection du Canada, une société de la Financière Foresters. L’assurance vie sans exigence médicale et à émission simplifiée et assurance maladies graves sont souscrites par l’Ordre indépendant des Foresters ou par Foresters, compagnie d’assurance vie.