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Foresters has a couple options/products for MP
Their Advantage Plus II Mortgage Protection is a hybrid of permanent and Term rider
Advantage Plus Mortgage Protection | Foresters Financial
http://marketing.foresters.biz/eapp/pdf/503406_US.pdf
I use mainly their Strong Foundation (SI Term) for MP - with under 40 healthy folks. It does offer Waiver of Premium
http://marketing.foresters.biz/eapp/pdf/503324_US.pdf
As far as I know it doesn’t offer ROP/CBO which could be why you’re not seeing that option on FexQuotes
RoP is a little overrated, imo.
It's expensive, and there's a lot of little nuances that can make the whole thing pointless. If you're really concerned with cash loss, I'd be more inclined to support their participating whole life.
If you invested the difference between RoP and non-RoP in a mutual fund, you'd get a much better return.
You're basically giving the insurance company an interest free loan.
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