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FWD Life Protection
Product Review
5.0
Coverage up to
99
Years old
Introduction
FWD Life Protection is a whole life insurance policy that offers coverage for Death, Terminal Illness and Total and Permanent Disability.

The plan provides the insured the insured to receive higher protection coverage with their Life Protection Booster by multiplier the base sum assured to a factor of 2X, 3X or 5X till the age of 75 or 85.

FWD Life Protection also offers the following rider to supplement your coverage:
1. FWD CI Protection Rider
2. FWD Early CI Protection Rider
3. FWD CI Premium Waiver Rider
How it Benefits you?

Coverage

  • Life Protection Booster – Multiplier benefit of 2x, 3x, 5x of main sum assured until 75 or 85 years old
  • Life Protection Booster (LPB) will remain up to the selected age. Thereafter, on each policy anniversary, the LPB will reduce by 10% each policy year for 5 years
  • FWD Early CI Protection Rider covers up to 60 different CI groups
  • FWD Early CI Protection Rider covers 12 special conditions, 3 mental conditions and 17 Juvenile conditions.
  • FWD Early CI Protection Rider covers ICU and Pre-cancer benefit

 

Secondary benefits

  • Retrenchment benefit: Waive premiums for 12 months
  • Premium deferment option: Request to defer premium for 12 months any time after 6 years of policy issue date.
  • Annual Income option available at age 55 or premium end date, whichever is later, to supplement your retirement income
  • Premium terms from 5 - 25 years (in intervals of five)

 

 

What we like about the plan?

1. Life Protection Booster - Multiplier benefit of  2x, 3x, 5x of main sum assured until 75 or 85 years old, which is the longest multiplier age in the market.

 

2. FWD Early CI Protection Rider provides total of 175 conditions covered. Additionally, the rider also provides Intensive care unit benefit of 20% of sum assured (capped at S$25,000) if the insured is admitted into ICU for a period of 4 consectuive days, and also pre-cancer benefit of 20% of sum assured (capped at S$25,000) in the event the insured is diagnosed with a benign tumour and subsequently undergoes surgical excision of a benign tumour, or is diagnosed with a borderline malignant tumour

 

 

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