Foresters

Foresters (often branded as Foresters Financial) is rooted in the fraternal-benefit tradition, blending insurance with member-focused community benefits. Foresters describes itself as helping families for more than 150 years, and public histories trace the organization to the 1870s, when it was founded as a fraternal order. [1][2] In the United States, the insurance operations include regulated life insurance entities such as Foresters Life Insurance and Annuity Company (NAIC 57223), which provide the statutory platform for issuing policies. [3]

The fraternal model has influenced how Foresters competes. Instead of building a mass-market captive agency, fraternals often emphasize values-based marketing, member programs, and a mutual-aid identity alongside traditional life insurance protection. [1][2] That positioning can resonate in periods of social and economic change, when trust and long-term stewardship become differentiators for consumers buying permanent coverage or family-protection products.

Rating-agency disclosure materials provide an external view of financial strength and governance expectations for the operating insurer, reflecting the capital discipline required to keep fraternal promises across decades. [3] Like many life insurers, Foresters uses risk management tools that can include reinsurance, but specific reinsurer counterparties are not identified in the public sources above and are typically documented in statutory filings and rating-agency analysis.

Sources: [1] https://foresters.com/; [2] https://en.wikipedia.org/wiki/Foresters_Financial; [3] https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=66847&PCA=0.