For young people like you, your biggest advantage is time. That means even a small amount that is invested today can deliver a huge amount over time. So instead of spending time on small leisure things, why not dream bigger and leverage your time to have a robust financial plan?
FWD Financial Fortune offers a comprehensive protection plan combined with safe investments, gives you peace of mind with your financial funds and a solid foundation for the future.
Benefits | What and how we pay out |
Benefits | What and how we pay out |
Protection benefits | |
Late-stage cancer | 10 times your annual premium (Up to 30% of the sum assured) Condition: The benefits for Late-stage cancer will only be paid once within the policy period. The maximum total amount payable for this benefit for an insured person, across all valid insurance policy of ULP product with FWD, is 2 billion VND. FWD will pay Late-stage cancer benefit if:
For details, please refer to Section 8.1.1 – Product terms & condition |
Total and Permanent disability (TPD) or Death | [Higher amount between Target premium account value and Sum assured] + Excess premium account value The policy will be terminated upon payout of TPD benefit or Death benefit. Condition: FWD only pays TPD benefits if it is not a pre-existing condition. For more details, please refer to Section 8.1.2 - Product Terms & Condition |
Total and Permanent disability (TPD) income support |
Condition: This benefit will be paid when FWD accept the payment of TPD benefit as stated in Section 8.1.2. For more details, please refer to Section 8.1.3 - Product Terms & Condition |
Investment benefits | |
Crediting interest rate earned from Universal Life Fund | Since inception, the Policy account will earn interest according to actual performance of our Universal Life Fund and this will not be lower than our guaranteed interested rates. Please refer to the product terms & conditions for more details on our guaranteed interest rates. |
Regular loyalty bonus | Every 3 years, from Year 3 to Year 18, we will give you a regular loyalty bonus: Regular loyalty bonus = Bonus rate (%) x The accumulated interest from your Target premium account value during the review period Bonus reviewing period: each 3 years, from Year 1 to Year 18. Condition: During each reviewing period, the following condition must be met:
For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition |
Special loyalty bonus | At Policy year 10, customer will receive a special loyalty bonus equal to 100% annualized target premium at inception. Condition: During each reviewing period, the following condition must be met:
For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition |
Policy maturity benefit | Customer will receive Policy account value at Policy maturity date. |
Additional benefits | |
Well-being benefit | You will receive a meaningful gift which is equal to 20% Sum assured (but not exceed 500 million Dong) at the Policy maturity date. Condition: The Well-being benefit will be paid when the Policy maturity benefit paid For more details, please refer to Section 8.3.1 |
Non-lapse guarantee | During the first 3 policy years, provided that all Target premiums of basic plan have been paid fully in due (including the case that EPA is used to pay for Target premium) and no partial withdrawal from TPA, the basic plan is guaranteed to remain in-force even in case of Target Premium Account is insufficient to cover monthly Cost of insurance and Admin charge. Condition: The Non-lapse guarantee benefit is applied if the following conditions are met within the first 3 policy years:
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Automatically increased sum assured without Health underwriting | You can request to increase the sum assured at the following key milestones without any health exams:
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Flexible features | |
24/7 e-withdrawal | This gives you flexibility and control over all financial needs. With just a few simple steps on your phone, without any charges, you can withdraw money from your insurance policy anytime, anywhere:
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Benefit of FWD Care Critical Illness insurance 2.0 | What we’ll cover you for | How much we’ll pay (as a % of the sum assured) |
Benefit of FWD Care Critical Illness insurance 2.0 | What we’ll cover you for | How much we’ll pay (as a % of the sum assured) |
Cover for 80 critical illnesses from early-stage | Early-stage diagnosis of 33 critical illness conditions | 50% of the sum assured |
Diagnosis of critical illnesses (47 conditions) | 100% of the sum assured | |
Condition:
For more details, please refer to Section 1.1.1 - Product Terms & Condition | ||
Multiple payouts if needed | We pay for up to two early-stage critical illnesses within two different critical illness categories | |
We continue to pay out if your illness then progresses to late-stage or upon a different diagnosis of late-stage critical illness | ||
Condition:
For more details, please refer to Section 1.1.2 - Product Terms & Condition | ||
Enhanced cover for late-stage diagnosis of common cancers | Male-specific cancer: liver cancer, lung cancer, stomach cancer | Additional 50% of the sum assured |
Female-specific cancer: breast cancer, cervical cancer, uterine cancer | ||
Condition:
For more details, please refer to Section 1.1.3 - Product Terms & Condition |
Benefit of FWD Care Accident insurance | What we’ll cover you for | How much we’ll pay (as % of sum assured) | |
Benefit of FWD Care Accident insurance | What we’ll cover you for | How much we’ll pay (as % of sum assured) |
Comprehensive protection against accidental risks | Bone fractures | 2% to 30% | Max 100% |
Organ injuries | 10% to 20% | ||
Coma | 100% | ||
Burns | 25% to 100% | ||
Permanent dismemberment | 5% to 100% | ||
Condition:
For more details, please refer to Section 1.1 and Section 1.2 - Product Terms & Condition | |||
Protection up to 300% of the sum assured against accidental loss of life | Accidental death while traveling as a passenger on commercial airplanes | 300% | |
Accidental death while traveling as a passenger on public transport | 200% | ||
Accidental death due to other causes | 100% | ||
Condition: Benefits paid for Accidental injury, if any, will be deducted prior to death benefit or doubled to cover the increase benefit. For more details, please refer to Section 1.1 and Section 1.2 - Product Terms & Condition | |||
Double protection for your loved ones | We’ll pay double if you (the main life assured) and your spouse both pass away as a result of the same accident. | ||
Condition: This benefit will be paid when FWD approves the payment of the death benefit. For more details, please refer to Section 1.2 - Product Terms & Condition |
FWD Financial Fortune
1. FWD shall not pay protection benefits if the insurance event is the direct or indirect result of any of the following:
For details, please refer to Section 8.1.5 - Product Terms & Condition
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:
For details, please refer to Section 3.1 – Product terms & condition
Critical illness rider & Accidental Death & Dismemberment Rider
Before you commit to any plan, it’s important you know what you’re buying and understand the details. So click below to view our jargon-free, easy-to-read terms and conditions – and ensure you have a quick browse of the brochure too. If you have any questions, simply get in touch.
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