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Industry news

CPP/Foresters Financial

JULY 2024

  • Your solution for the capital gains inclusion rate increase – more here

MARCH 2024

  • Case study: Low term rates for the Sandwich Generation – more here

Low term rates for big mortgages – more here


  • The new A-Z Life Coverage is here
  • Reach new clients and grow your business – details here

Forester Sweet spots.

 Quit Smoking Incentive (Whole Life policies that offer Non-Smoker rates for the first two years, Enhance would be slightly different)

Teladoc for all Whole Life products (Help provide expert opinion if you have any concerns or doubts about a diagnosis)

★Foresters’ member benefits. (Scholarship now $2500/year; Lawassure allows client to write and modify the will for free…etc.)

★Charity death benefit on Participating Whole Life and Term (1% of face amount at no additional cost, does not affect the guaranteed death benefit, tax slip to the estate up to $100,000)

★Non-Participating Joint policies (Low ESA).

★No policy fees for Foresters Live well and Live well Plus Critical Illness.

★No POS medical for clients aged under 50 up to $1,000,000. No Pos medicals for clients aged under 55 up to $500,000 (Point of sale).

Foresters Term offers some of the lowest term rates in the industry and consistently ranks in the top 3 in Canada on LifeGuide. (start from Jan. 20th , 2024)


Our sweet spots that are generally in the top 3 include:

  • T10: Non-smokers ages 35-45 – $500,000 to $1,000,000
  • T20: Non-smokers ages 30-50 – $250,000 to $1,500,000
  • T30: Non-smokers ages 30-45 – $500,000 to $1,000,000

No initial paramedical or lab work required for up to $1,000,000 for ages up to 50 and $500,000 from ages 51-55.

Preferred underwriting for amounts of $1,000,001 or more.


  •  Lower term rates are here!  details here


  • Life Insurance as a Crucial Part of Estate Planning  – more here

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MSA Financial

3333 Côte Vertu, Suite 450
St-Laurent, Québec, H4R 2N1