As more States permit limited use of cannabis, particularly for medicinal purposes, Foresters Financial™ is modernizing underwriting guidelines to reflect this evolving trend. Changes will apply to the following non-med products¹.

	•		Your Term*
	•		Advantage Plus ll
	•		SMART UL

This change is just one of the many ways we’re supporting evolving trends.

For additional details on these changes, please refer to page 18 in the Underwriting Guidelines.

*Also applies to Strong Foundation non-med

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Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries.

Foresters products and riders may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations, contract terms and conditions and state variations. Refer to the applicable Foresters contract for your state for these terms and conditions.

Underwritten by The Independent Order of Foresters

1 Insurability depends on answers to medical and other application questions and underwriting searches and review.

For Producer use only. Not for use with the public. 418012 US 12/19