SMART Universal Life Insurance

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A Flexible Life Plan Adapted to Your Needs

Have you ever wondered how beneficial it would be to combine your insurance with cash accumulation? Foresters Financial’s Smart Universal Life is the right coverage for you to cover yourself and your family and at the same time, accumulate cash. It has simple, flexible and affordable features as well as optional riders designed to make it easy to customize your plan. Smart universal life insurance has oodles of benefits and features. Some of the benefits of this plan include provision of lifetime protection, income tax-free death benefits, flexible premiums, and a plethora of optional riders that can be used to tailor the plan to your exact requirement. In addition, your policy can be used as a collateral to borrow a loan and you can withdraw funds or surrender for cash value.

Features and Benefits

Smart universal life insurance is the best coverage for you if you are planning to save for retirement. The coverage will relieve the financial burden of catering for your children’s education. In addition, it offers the security of guaranteed coverage for the first 10 years provided you pay your premiums. You can also benefit from the optional riders such as the family and health benefit rider, common carrier accidental death rider, and accelerated death benefit rider.

  • Smart universal life insurance can offer you the ability to protect yourself financially and at the same time accumulate cash value.
  • The universal life insurance coverage offers oodles of benefits such as an income tax-free death benefit, premium flexibility, lifetime protection, tax-deferred growth on cash value, and so forth.
  • The plan is the perfect option for you if you are planning for retirement or you want to save for your children’s education.
  • The plan provides the security of guaranteed coverage for 10 years, this is known as a No Lapse Guarantee. This benefit holds as long as you pay a sufficient premium.
  • The basic coverage includes a lot of optional features. You don’t need to pay an additional premium to access these features. These include family health benefit rider, common carrier accidental death rider, and accelerated death benefit rider.
  • You can build custom coverage from the variety of optional riders included in the plan such as children’s term rider, accidental death rider, waiver of monthly deductible rider, and disability income rider.



Additional resources

Learn more about life insurance from these informative articles to help you decide in choosing the best plan for you.

Insurdinary provides a comprehensive quotes comparison sends straight to your inbox so you can start comparing health coverage in minutes. See plans from several major Canadian insurers to choose the right option for you. Our customer health specialists are also available to address your questions and concerns.

For more information, you may contact us at 1-877-574-7475, or complete the form below.

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