A safe and flexible financial plan combining protection and investments with guaranteed interest rates
Cover should you have late-stage cancer
Additional disability income support
Guaranteed interest rates
24/7 E-withdrawal - first time in the market
Learn more about this plan
Benefits | What and how we pay out |
Benefits | What and how we pay out |
Protection benefits | |
Late-stage cancer cover | 10 times your annual premium, up to 30% of the sum assured |
Total and permanent disability cover | Whichever is higher of the following:
Plus your excess premium account value + income support of 50% of the sum assured Please note your plan will be terminated should this be paid out |
Loss of life cover | Whichever is higher of the following:
Plus your excess premium account value Please note your plan will be terminated should this be paid out |
Investment benefits | |
Crediting rate from FWD Universal Life fund | Your account will earn interest according to performance of our Universal Life fund. This will not be lower than our guaranteed interested rates Please refer to the product brochure for more details on our guaranteed interest rates |
Policy maturity benefit | You'll receive your full policy account value on the policy anniversary date, after you turn 80 |
A celebration of you turning 80 | We'll also give you an extra 20% of the sum assured on the policy anniversary date, after you turn 80 |
3. Enhanced benefits | |
Loyalty bonus | Every five years from Year 5 to Year 20, we’ll give you a loyalty bonus equal to 50% of the accumulated interest from your target premium account value (taken as an average from the preceding five years) |
The opportunity to increase your sum assured with no health exams | You can request to increase the sum assured at the following key milestones without any health exams:
|
| Dad (life assured) | Mum | Child(ren) |
| Dad (life assured) | Mum | Child(ren) |
FWD Embracing Changes 2.0 | ✓ |
|
|
FWD Care Health insurance 2.0 | ✓ | ✓ | ✓ |
FWD Care Critical Illness insurance 2.0 | ✓ | ✓ | ✓ |
FWD Care Enhanced Waiver of Premium 2.0 |
| ✓ |
|
FWD Care Death and Disability insurance |
| ✓ |
|
The not-so-small print
Useful links
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