Foresters Life Insurance Review 2023

Foresters is a long-standing financial services provider with an extensive history of serving the United Kingdom with life insurance products.

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Foresters is a long-standing financial services provider with an extensive history of serving the United Kingdom with life insurance products. They are known to be innovative and adaptable with audiences, which is why many turn to their valued products for life coverage.

We review the life insurance plans from Foresters in this guide.

Types of Life Insurance

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Foresters offer a range of life insurance products stemming from the standard policy. The insurer doesn’t provide particularly unique plans. However, its core product is flexible and can adapt to its customer’s more complex needs and concerns.

We’ll go into detail about the plan on offer below.

Life Insurance

Foresters follow the standard suit when it comes to life insurance products. They offer plans that follow into term life insurance, whole life insurance, and universal life insurance. Let’s look more at what policies are most familiar to the provider.

The three prominent types of term life insurance offered by Foresters are as follows:

  • A level term plan covers 10-30 years as preferred, with options to renew or convert.
  • A three-term option plan with 10, 20, or 30 years, with guaranteed convertibility at the end of the contract
  • An accidental death policy pays out should the policyholder pass within the selected term.

Here are the four whole life insurance policies provided by Foresters:

  • PlanRight Whole is the most straightforward whole-of-life insurance policy, with fixed premiums for lifetime coverage.
  • Advantage Plus offers whole-of-life insurance with a savings plan that pays dividends as it grows.
  • Interest Sensitive is another life policy with a savings plan, guaranteeing an interest rate to accumulate cash with the potential for an excess rate for even more cash growth.
  • Legacy Single Premium breaks the norm of whole-of-life products, allowing policyholders to pay for their life insurance premiums in a single upfront payment.

And finally, there are two options for universal life insurance:

  • SMART Universal Life provides 10-year guaranteed universal coverage with a cash accumulation account and flexible premiums
  • Variable Universal Life is a policy linked to another cash account, paying into the preliminary plan pending its performance.

So as seen above, Foresters offers a broad range of plans under the life insurance umbrella, seemingly tailored to younger adults who want more benefits from their policies. Let’s get an overview of the core policy details to learn more.

Overview of Foresters Life Insurance Key Policy Details

Find an overview of Forester’s life insurance policies below.

Foresters will pay out on your policy if: The policyholder dies during the contracted term.
Options: Term Life Insurance/Whole-of-Life/Universal
Policy Coverage: Single/Joint Coverage
Terminal Illness Cover: Yes (as a rider)
Critical Illness Cover: Yes (as a rider)
Minimum Entry Age: 18
Maximum Entry Age 85
Guaranteed Insurability: Guaranteed insurability is not standard with the policies but available as a rider.

Foresters attract customers by offering generous perks with their plans, such as cash benefits and savings options. The standard policies are flexible and adaptable against specific needs or the desire for more value in the policy.

So what are customers saying about Foresters’ life insurance range?

Foresters Life Insurance

We compare plans from the leading life insurance providers

The general heralding of Foresters Life Insurance comes from the broad range of plans offered to meet customers’ niche requirements. The provider tends to go above and beyond to create policies that benefit the holder beyond just protecting in case the unexpected happens.

Below are the most outstanding points of Foresters Life Insurance.

Key Points

The most significant aspects of Foresters products centre around the value and perks for customers, where a portion complain about the lack of online service and slow claims processing. The key points include:

  • Dividends paid in most whole-of-life insurance plans
  • Most Foresters plan riders are available without additional charges (terminal illness cover, accidental death, etc.)
  • Plenty of member perks such as financial counselling and retail discounts
  • No online quoting system is available

Let’s look at the peer-reviews in line with the key points outlined for Forester’s life insurance.



We look at two leading trust platforms below to gauge the ratings of customers and industry experts. Find the Trustpilot and Defacto ratings below.


Customers tend to have a generally negative option of Foresters services, citing that payouts from life insurance are complicated to claim. Support is frowned upon, but some clients have shown it can be good sometimes, scoring a 2.4 of 5 from 23 reviews. Find the breakdown of feedback below:

Rating Percentage of Feedback
Excellent 26%
Great 0%
Average 0%
Poor 4%
Bad 70%

While there aren’t many reviews on the Trustpilot platform, numerous professional critics have highlighted the same issues, almost exclusively capping average reviews. The industry experts at Defaqto share similar opinions.


Foresters’ popular life insurance plans score a 3 out of 5 stars on the peer-reviewed Defaqto platform. It underlines the widespread opinion that the value of the policies is excellent. However, the claims process and customer service need significant improvement.

Is Foresters Life Insurance Right for You?

If the value of Foresters’ life insurance plans appeals to you, contact expert brokers who can walk you through the best options surrounding your circumstances.

Defaqto ratings

Type Plan name Rating
Critical illness (standalone) Mortgage Protection Options Plan 2
Critical illness (standalone) Lifestyle Protection Options Plan 3
Critical illness (decreasing) Mortgage Protection Options Plan 2
Critical illness (level term) Lifestyle Protection Options Plan 2
Critical illness (level term) Mortgage Protection Options Plan 2
Income protection Lifestyle Protection Options Plan 1
Life assurance (decreasing) Mortgage Protection Options Plan 3
Life assurance (level term) Lifestyle Protection Options Plan 3
Life assurance (level term) Mortgage Protection Options Plan 3
Defaqto ratings were reviewed on 01/10/2023