10 Best Cash Value Whole Life Insurance Companies in 2021




Advantage Plus Whole Life is a cash value whole life insurance policy that offers the option of 20 pay whole life or pay to 100 whole life.  You may also qualify to receive dividends from this policy. Foresters has a solid record of life insurance dividends even during times when the stock market has been down over 25%.  

During those difficult times, in the past, Forester’s dividends were 7.9%. Foresters PlanRight has three plans to choose from:

  • Level benefit
  • Graded benefit
  • Modified benefit

PlanRight Level Benefit offers a full death benefit payout from the first day of an active life insurance policy which is available for ages 50 to 85.  A maximum face amount of $35,000 is available for those up to 80-years-of-age and a face amount of $15,000 for those between the ages of 81 to 85. 

PlanRight Graded Benefit.  Should you pass away in the first two years, the policy pays 30% of the face amount in the first year and 70% in the second year.  This plan is available for those between the ages of 50 to 85 with a maximum amount of $20,000 up to age 80 and a maximum amount of $10,000 for ages 81 to 85. 

PlanRight Modified Benefit pays out a return of premium, plus 10% if you pass away within the first two years.  This is available for ages 50 to 80 with a maximum face value of $15,000. If these plans interest you, please give us a call we would be glad to go over the details with you.

Learn more: Foresters Life insurance company review

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