Foresters Life Insurance Review 2025

Foresters is a long-standing financial services provider with a rich history of offering life insurance products in the United Kingdom. Their reputation for innovation and adaptability makes their life coverage products a popular choice.

This guide reviews the life insurance plans offered by Foresters.

Types of Life Insurance

Foresters offers a range of life insurance products based on standard policies. While their plans may not be uniquely innovative, their core product is flexible and can be tailored to meet diverse customer needs and concerns.

The following sections detail the plans they offer.

Life Insurance

Foresters offers standard life insurance products, including term life insurance, whole life insurance, and universal life insurance. Let’s examine the policies most commonly associated with this provider.

Foresters offers three main types of term life insurance:

• Level term plans offer coverage for 10 to 30 years, with options for renewal or conversion.
• Three-term option plans are available for 10, 20, or 30 years, with guaranteed convertibility at the end of the term.
• Accidental death policies provide a payout if the policyholder dies due to an accident within the specified term.

Foresters provides four types of whole life insurance policies:

• PlanRight Whole is their most straightforward whole life insurance policy, featuring fixed premiums for lifetime coverage.
• Advantage Plus offers whole life insurance combined with a savings plan that pays dividends as it accumulates value.
• Interest Sensitive is another life insurance policy with a savings component, guaranteeing a minimum interest rate for cash accumulation and offering the potential for a higher excess rate for increased growth.
• Legacy Single Premium deviates from typical whole life products by allowing policyholders to pay their premiums in a single upfront payment.

Finally, Foresters offers two universal life insurance options:

• SMART Universal Life provides 10-year guaranteed universal coverage, featuring a cash accumulation account and flexible premiums.
• Variable Universal Life is linked to a separate cash account, with payments into the primary policy dependent on the account’s performance.

As demonstrated, Foresters offers a wide array of life insurance plans, seemingly designed to appeal to younger adults seeking additional benefits from their policies. Let’s review the key policy details for a better understanding.

Overview of Foresters Life Insurance Key Policy Details

The following table provides an overview of Foresters’ life insurance policies.

Foresters attracts customers by offering attractive perks like cash benefits and savings options with their plans. Their standard policies are flexible and adaptable to specific needs or those seeking greater policy value.

What are customers saying about Foresters’ life insurance offerings?

Foresters Life Insurance

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Foresters Life Insurance is generally praised for its broad range of plans designed to meet specific customer needs. The provider is known for creating policies that offer benefits beyond basic protection against unforeseen events.

Key highlights of Foresters Life Insurance are outlined below.

Key Points

The most notable aspects of Foresters’ products revolve around customer value and benefits. However, some customers have expressed concerns about the lack of online services and slow claims processing. Key points include:

• Dividends are paid on most whole life insurance plans.
• Most Foresters plan riders, such as terminal illness cover and accidental death cover, are available at no additional charge.
• Numerous member perks, including financial counselling and retail discounts, are offered.
• No online quoting system is currently available.

Let’s examine peer reviews in relation to the key points mentioned for Foresters life insurance.

Ratings

We will examine customer and industry expert ratings from two leading trust platforms: Trustpilot and Defaqto.

Trustpilot

Customer reviews on Trustpilot are generally negative, with common complaints about complicated life insurance claim payouts and unsatisfactory support. While some customers report positive experiences, the overall Trustpilot score is 2.4 out of 5, based on 23 reviews. The feedback breakdown is shown below:

Although Trustpilot has a limited number of reviews, numerous professional critics have echoed similar concerns, generally giving average ratings. Industry experts at Defaqto share similar opinions.

Defaqto Ratings for Foresters Life Insurance (2025)

Defaqto ratings are an independent assessment of financial products, helping consumers understand the quality of different offerings. They use a star rating system from 1 to 5, with 5 stars indicating the highest quality. These ratings are designed to reflect the comprehensiveness and features of a product.

As of March 7, 2025, Foresters Life Insurance policies have received a Defaqto rating of 3 out of 5 stars across various categories. This includes their Protection Menu plan, standalone and level term critical illness, and level term and decreasing life assurance. While a 3-star rating indicates a decent level of cover, it’s important to consider how this compares to competitors.

Several major insurers achieve higher Defaqto ratings. For example:
* **Aviva:** Many Aviva plans boast 5-star ratings, including their standalone and level term critical illness, and level term and decreasing life assurance plans.
* **Legal & General:** Legal & General also secures numerous 5-star ratings across similar product types, such as critical illness and life assurance.
* **Zurich:** Zurich matches this with 5-star ratings for their critical illness and life assurance offerings.

For consumers, a 3-star Defaqto rating for Foresters suggests their policies offer a satisfactory level of features and cover. However, those seeking more comprehensive or feature-rich plans might find better-rated options from providers like Aviva, Legal & General, or Zurich, which consistently achieve 5-star ratings.

Is Foresters Life Insurance Suitable for You?

If Foresters’ life insurance plans appeal to you, it’s advisable to contact expert brokers who can guide you through the best options based on your individual circumstances.

Defaqto ratings