When choosing a life insurance provider, most people focus entirely on the death benefit, premiums, and policy terms. While these are undoubtedly the most critical factors, what if your life insurance policy could also provide tangible, everyday value while you are still living?
This is exactly where Foresters Financial differentiates itself from traditional insurance carriers.
Unlike standard insurance companies that only pay out when a claim is filed, Foresters operates as a fraternal benefit society. This unique structure means that when you purchase a qualifying life insurance policy, you don’t just become a policyholder — you become a member. This membership unlocks a comprehensive suite of complimentary benefits designed to help you and your family live well, have fun, and give back to your community.
Here is a detailed look at the exclusive member benefits that make Foresters Financial truly unique in the Canadian insurance landscape.
1. Grants and Scholarships for Education
Education is one of the most significant investments a family can make, and Foresters Financial actively supports its members in this journey.
Competitive Scholarships
Foresters Financial provides over $2 million annually in tuition scholarships for higher learning across the U.S. and Canada. Eligible members, their spouses, dependent children, or grandchildren (up to age 24) can apply for these scholarships to help cover the costs of university, community college, or vocational trade schools. The selection process weighs community service (50%), grades (25%), and a personal essay (25%). For 2026, 475 scholarships are available across North America.
Orphan Scholarships
In the tragic event of a member’s passing, Foresters provides an Orphan Scholarship to help cover the educational costs of their children. This renewable scholarship provides up to $6,000 per year (for up to four years) for a first post-secondary degree or diploma program.
2. Financial Support During Difficult Times
Orphan Benefit
If a child under the age of 18 loses both parents (or their sole surviving parent) who was a Foresters member, the legal guardian may receive a monthly payment of up to $900 per child until the child turns 18, marries, or becomes self-supporting.
Terminal Illness Loan
If an insured member is diagnosed with a terminal illness (life expectancy of 12 months or less), Foresters Financial offers an interest-free loan of up to 75% of the policy’s face value (maximum $250,000). This allows the member to access funds while still living — for healthcare costs, settling debts, or spending quality time with loved ones. The loan is repaid from the death benefit proceeds.
3. Everyday Well-Being and Legal Benefits
LawAssure
Foresters Financial members receive complimentary access to LawAssure, an online document preparation service for creating legally binding Wills, Powers of Attorney, and Healthcare Directives — all from a secure, mobile-compatible online account.
Foresters Go™
Foresters Go is a holistic well-being app exclusive to Foresters Financial members. Members earn Rewards Points by tracking physical activity, nutrition, and mental well-being. Points can be redeemed for merchandise, gift cards, or charitable donations. The app integrates with Fitbit, Apple Health, Garmin, and Strava, and features a virtual coach named Aida for personalized guidance.
Foresters Member Discounts
Members access a discount portal with savings on thousands of products and services from leading brands — covering everyday necessities, electronics, travel, and entertainment, with continuously updated offers and no set expiry dates.
Foresters Renew™
Foresters Renew offers reimbursement grants of up to $1,000 for members looking to upskill or change careers. Grants can be applied toward tuition and materials for accredited college-credit classes, online courses, or adult education programs.
4. Community and Volunteer Grants
Community Volunteer Grants
Members can apply for up to two grants per year (up to $1,500 each) to organize local volunteer activities — from donating to food banks and organizing park clean-ups to creating care packages for local shelters.
Foresters Care™
The Foresters Care program provides a twice-a-year grant of $200 for quick-impact community initiatives. Members choose from five categories: educational sessions, artistic classes, health and wellness, family fun, or community volunteering.
Foresters Moments™
Foresters Moments grants (up to $35 per person) help members organize fun family activities like cooking classes, paint parties, or movie nights — because quality family time is just as important as community service.
The Foresters Difference: More Than Just Insurance
When you compare Foresters Financial to a standard insurance carrier, the difference is clear. A traditional insurer provides a policy — Foresters provides a membership. That membership delivers real, tangible benefits supporting your family’s education, financial security, health, legal preparedness, and community involvement throughout your lifetime.
For families who want their insurance dollars to work harder — both today and in the future — Foresters Financial member benefits represent an outstanding value proposition that no standard carrier can match.
If you are interested in learning more about how a Foresters Financial life insurance policy can protect your family while providing these incredible living benefits, contact Safe Haven Financial today. We can help you find the right coverage to meet your financial goals.
Disclaimer: Foresters 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.
