FWD Double Assets 2.0

1. FWD shall not pay protection benefits if the insurance event is the direct or indirect result of any of the following

• Suicide or self-inflicted injuries while sane or insane within 24 months from risk commencing date or policy reinstatement date, whichever is later

• Illegal Act committed by the Life Assured, the Policyholder or any beneficiaries. In case there is more than one Beneficiaries and one or some of them committed Illegal Act(s) against the Life Assured directly or indirectly resulting in the insured event under this Policy, the Company shall still pay an insurance benefit to any remaining Beneficiaries according to the ratio indicated by the Policyholder in the Insurance Policy.

2. Customers have an obligation to fully, honestly and accurately declare all the information required to be declared. In the event that you intentionally violate the obligation to declare truthfully or intentionally declare false information or do not declare important information, at any time FWD may terminate the application form or approve the application form with additional conditions.

Important information includes, but is not limited to, health status, occupation, income that if FWD knows, FWD will only accept the application form with condition or accept application form with a higher premium or not accept application form.

For details, please refer to Section 2.2 – Product terms & condition.

3. Customers have 21 days from the date of receiving the Contract for the first time to consider whether this Contract is suitable for your needs or not. During this period:

• You need to review the entire Contract, including the information of the Insured and the Policyholder stated in the Certificate, the application form to ensure that all information is recorded fully and accurately. You need to inform FWD immediately if you find any information that is not recorded fully or accurately for timely adjustment.

• You can request to cancel the Contract in writing to FWD or through the forms and electronic applications provided by FWD, in case you decide not to continue maintaining the Contract, and receive back the initial premiums paid, without interest, after FWD deducts any health examination fees and any amount that FWD has paid to the Policyholder, if any.

For details, please refer to Section 3.1 – Product terms & condition.