Foresters Financial Burial Insurance Review (2026)

Foresters Financial is a fraternal benefit society offering the flexible PlanRight final expense policy, with three tiers to match a wide range of health and a unique set of member perks. With no medical exam and day-one options, it is a carrier worth knowing. Here is our honest, independent review.

Foresters Financial at a glance

Foresters Financial is a fraternal benefit society with roots going back to 1874. Its final expense product, PlanRight, is notable for offering three tiers — Basic, Standard, and Preferred — so it can cover a wide range of health situations. There is no medical exam, and every policy includes member benefits such as scholarships and community grants.

Foresters Financial pros

• ✓Three plan tiers cover a wide health range
• ✓Day-one coverage on Standard and Preferred tiers
• ✓Member benefits (scholarships, grants, perks)
• ✓No medical exam
• ✓Competitive for many applicants

Foresters Financial cons

• ✕Fraternal membership structure unfamiliar to some
• ✕Basic tier has a graded/waiting structure
• ✕Availability varies by state

Foresters Financial plans and coverage

Foresters PlanRight offers three tiers: Preferred and Standard provide day-one full coverage for healthier applicants, while Basic is a graded option for those with more health history. Coverage runs from $2,000 to $35,000, issue ages reach 85, and every policy includes fraternal member benefits.

Who is Foresters Financial best for?

Foresters suits people who want flexible tiers to match their health, plus the added member perks of a fraternal society. Healthier applicants can get day-one coverage at competitive rates on the Standard or Preferred tier.

Is Foresters Financial your cheapest option?

Foresters is competitive for many applicants, and its tiered structure helps match your health to the right plan. Whether it is your lowest rate depends on your profile — so we compare it against the full market before you decide.

How we shop Foresters Financial for you

We are an independent agency, not Foresters Financial. That means we are not trying to sell you one company’s policy — we compare Foresters Financial against 25+ other A-rated carriers and recommend whichever one gives you the best combination of price and easy approval. Because every insurer underwrites age and health differently, the only way to know whether Foresters Financial is your best deal is to compare. It is free, takes a few minutes, and there is no obligation.

Foresters Financial burial insurance: frequently asked questions

How much does Foresters Financial cost?

Your Foresters Financial premium depends on your age, gender, tobacco use, and which plan you qualify for. Final expense rates do not vary dramatically between A-rated carriers, but small differences add up over the life of a policy. Here is roughly what a non-smoker can expect to pay each month for a $10,000 whole life policy:

If you qualify only for a graded or guaranteed-issue plan, expect to pay somewhat more than the figures above. Tobacco use also raises the rate. The only way to know your true Foresters Financial cost is to get a real quote and compare it against other carriers.

How Foresters Financial compares to other carriers

No single company is the cheapest or the best for everyone — and that includes Foresters Financial. Each insurer underwrites age and health differently, so the carrier that gives you the lowest rate depends entirely on your personal profile. A 60-year-old non-smoker, a 78-year-old with diabetes, and a 70-year-old smoker could each find a different “best” carrier.

That is the core reason to compare rather than commit to one brand. We line up Foresters Financial against 25+ other A-rated carriers for your exact situation and show you, side by side, which one wins on price and approval. Foresters Financial may well be your best option — but you will only know once it has been measured against the field.

How to apply for Foresters Financial (and get the best rate)

• ✓Have your details ready — date of birth, medications, and any major diagnoses or hospitalizations.
• ✓Choose your coverage amount — most people pick $10,000–$15,000 to cover a funeral plus a cushion.
• ✓Answer the health questions honestly — accuracy routes you to the right plan and protects your beneficiary’s claim.
• ✓Compare Foresters Financial against other carriers before you sign — it is the only way to confirm you are getting the lowest rate.
• ✓Apply sooner rather than later — rates rise with age and your premium locks in for life the day you are approved.

How much coverage do you need?

Whichever carrier you choose, size your policy to your real final expenses. With the average funeral running $8,000–$12,000 once cemetery costs are included, most people land in the $10,000–$15,000 range:

• ✓$5,000–$8,000 — a direct cremation and small memorial.
• ✓$10,000–$12,000 — an average funeral with burial.
• ✓$15,000 — funeral plus a cemetery plot and headstone.
• ✓$20,000–$25,000 — funeral plus leftover medical bills or debts.

Foresters Financial: the bottom line

Foresters Financial is a legitimate, financially sound choice for final expense coverage — but “legitimate” and “best for you” are not the same thing. The right policy is the one that approves you at the lowest price for your specific age and health, and that varies from person to person.

Before you buy Foresters Financial (or any single carrier), take a few minutes to compare. It is free, there is no obligation, and it is the only way to be sure you are not leaving money on the table. We are happy to run that comparison and show you exactly where Foresters Financial lands.

Reviewed by Phillip Chin, Licensed Insurance Agent

Phillip is a licensed final-expense specialist (NPN #8895251) who has helped hundreds of families secure affordable burial insurance. He shops 25+ A-rated carriers to find the lowest rate for each client’s age and health.