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I tried working with Foresters but their right hand doesn't know what there left is doing. I couldn't get a policy issued in a timely manner. I had one case that took over 6 months to get issued. I will not do business with them. As for the statement about them being a Canadian company, I think it was a fair comment. You didn't lie and the client deserves to know. I often use the Fraternal bit when going against a Fraternal, it seems to work well.