In order to kick start your plan of attaining your goals, you need flexible financial planning that is truly geared towards your specific needs. Provie Insurance Plan offers a Guaranteed Crediting Interest Rate in the first 5 policy years, allowing your savings to grow. It also provides life protection and a complimentary rider, so get set and go for your goals now!
Policy Year 1 2 3 4 5
Guaranteed crediting interest rates (HK$Policy) 1.5% 1.5% 2% 2% 3%
Guaranteed crediting interest rates (US$Policy) 2% 2% 2% 2% 3%

Save more to get more initial premium discount*

HKD

One-off payment > HK$ 400,000 or Monthly regular contribution > HK$ 10,000

Initial Premium discount* HK$ 1,200

HKD

One-off payment > HK$ 300,000 or Monthly regular contribution > HK$ 5,000

Initial Premium discount* HK$ 800

HKD

One-off payment > HK$ 30,000 or Monthly regular contribution > HK$ 3,000

Initial Premium discount* HK$ 400

USD

One-off payment > US$ 50,000 or Monthly regular contribution > US$ 1,250

Initial Premium discount* US$ 150

USD

One-off payment > US$ 37,500 or Monthly regular contribution > US$ 625

Initial Premium discount* US$ 100

USD

One-off payment > US$ 3,750 or Monthly regular contribution > US$ 375

Initial Premium discount* US$ 50

*For monthly plan, the initial premium paid is equivalent to the first 2 months’ regular contribution.

To enjoy this Promotion, you must make an appointment to visit one of FWD’s customer service centres to conduct a simple financial needs analysis to assess your suitability for Provie. Once it is confirmed that Provie meets your objective(s) and need(s), you can apply Provie with the Premium Discount on the initial premium paid.
The discounted premium must be paid by your personal cheque, or direct debit through your bank account (only applicable to One-off Plan) or Bank of Communications FWD Credit Card at the time of submission of the application of Provie.

  • Provie Insurance Plan (including One-off and Monthly Regular Contribution Plan) (the "Plan") is only available to Hong Kong identity card holders.
  • For the period between 3 October 2016 and 30 April 2017, each applicant can only apply for ONE (1) NEW POLICY of the Plan.
  • Each applicant can only hold at most ONE (1) IN FORCE POLICY of the Plan.
  • The application date and the Policy Issue Date of the Plan are based on the record of FWD.
  • If the policy issued is cancelled during the cooling off period, FWD will only refund the actual premium paid by the policy owner. For the application for the Plan – Monthly Regular Contribution Plan on or after 1 December 2016, if the policy is cancelled or surrendered at any time within the first 12 months from the policy issue date, the Premium Discount in full shall be deducted from the premium refund or surrender benefit.
  • The Plan is a limited offer and is subject to availability. FWD reserves the right to decline applications for this Plan with a full refund of any premium paid without interest.

Overview of your Provie Plan

Enjoy guaranteed crediting interest rates1 for the first 5 policy years, allowing your savings to accumulate over time in a hassle-free manner.

Move along to see on different years. Policy Year
1 2 3 4 5 100
2%
Guaranteed Crediting Interest Rate (per annum)1:
Monthly Premium

Total Premium Paid

Account Value<br>
Account Value

As of the end of Policy Year .

+Get free protection rider out of 3 choices

Provie Insurance Plan provides you with a complimentary benefit, allowing you to save while securing extra protection of your choice. You can pick one from the three options available that suits your needs the best.
line

Extra 100% Term Life Benefit

500% Accidental Death Benefit

50% Cancer Benefit

*The number of riders available is determined by the financial needs analysis and underwriting result. Please refer to the Product Brochure and Policy Provisions for the terms and conditions of Term Life Benefit, Accidental Death Benefit, Cancer Benefits including covered cancers, details and definition and exclusions.

For details, please refer to the illustration document and policy provisions.
Starting from policy year 6, crediting interest rate is not guaranteed and is subject to change during the term of the policy and the guaranteed minimum crediting interest rate for the Product is 0% per annum. The current crediting interest rate declared by FWD or crediting interest rate history shall in no way be interpreted as a projection or estimation of future return. For crediting interest rate history, investment strategy and philosophy in deciding crediting interest rate, please refer to the Product Brochure.

Save and Grow the Smart Way

Guaranteed crediting interest rates for first 5 policy years

Guaranteed crediting interest rates for first 5 policy years

Free protection rider of your choice

Free protection rider of your choice

Flexibility and No Fees

Flexibility and No Fees

Supports HK and US dollars

Supports HK and US dollars

Instant Withdrawal

Instant Withdrawal

Find out more
Death Benefit

Death Benefit

Get free protection rider1,2 out of 3 choices

Extra 100% Term Life Benefit
Extra 100% Term Life Benefit

Provides an extra Death Benefit where 100% of the Account Value3 will be payable in the unfortunate event of the death of the Insured, providing comfort and security for your family and business, to help them cope with the financial strain.

Term Life Benefit Provisions
500% Accidental Death Benefit
500% Accidental Death Benefit

Provides an Accidental Death Benefit where 500% of the Account Value3 will be payable on the accidental death of the Insured, making sure your family will be financially protected against unpredictable events.

Accidental Death Benefit Provisions
50% Cancer Benefit4,5
50% Cancer Benefit<sup>4,5</sup>

Provides a Cancer Benefit where 50% of the Account Value3 will be payable after the first confirmed diagnosis of cancer, helping you to undergo prompt treatment and tackle each challenge with confidence.

Cancer Benefit Provisions
  • 1All free protection riders cover until the Policy Anniversary immediately preceding the 66th birthday of the Insured. The number of riders available is determined by the financial needs analysis and underwriting result.
  • 2Policyholders must choose one of the protection riders at policy inception. The protection rider attached to the Policy cannot be changed after the Policy Date.
  • 3Account Value is total premiums paid with crediting interest added (if any) less Partial Surrender(s) (if any), and premiums for rider benefit(s) (if any).
  • 4Cancer Benefit is only applicable to covered cancers. Covered cancer shall mean the presence of any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue or any occurrence of histologically confirmed leukemia, lymphoma or sarcoma. Please refer to the Policy Provisions, Glossary or Product Brochure for the details and definition of covered and excluded cancers.
  • 5Upon the payment of the Cancer Benefit, the Rider will terminate but the Basic Policy will remain valid. For the avoidance of doubt, the Cancer Benefit is only payable once during the lifetime of the Insured regardless of the number of occurrences of Cancer or recurrence of Cancer.

Get ready for the future and start saving today

Start saving
  Provie Savie
Issue Age
(Age on Next Birthday)
19 to 60 19 to 70
Benefit Term Until Age 100 Until Age 100
Policy Currency Hong Kong dollars / US dollars Hong Kong dollar
Guaranteed Crediting Interest Rates For policies issued in Hong Kong dollars:
1.5% (1st and 2nd Policy Years)
2% (3rd and 4th Policy Years)
3% (5th Policy Year)

For policies issued in US dollars:
2% (For First 4 Policy Years)
3% (5th Policy Year)
2% (For First 3 Policy Years)
Death Benefit 105% of the Account Value* 105% of the Account Value*
Choose 1 from the 3 Options
Free Protection Riders Accidental Death Benefit 500% of the Account Value*, until the age of 65 (subject to a maximum of HK$12,000,000/US$1,500,000 per Insured under the Product) Term Life Benefit 100% of the Account Value*, until the age of 65 (subject to a maximum of HK$4,000,000/US$500,000 per Insured under the Product) Cancer Benefit** 50% of the Account Value*, until the age of 65 (subject to a maximum of HK$2,000,000/US$250,000 per Insured under the Product) Accidental Death Benefit 100% of Account Value*, until the age of 70 (subject to a maximum of HK$400,000 per Insured under the Product)
Number of Withdrawals/ Partial Surrenders Unlimited Unlimited
Minimum Partial Surrender/ Withdrawal Amount HK$500/US$62.5 HK$500
Maximum Partial Surrender/ Withdrawal/ Amount Account Value after Partial Surrender must be greater than or equal to Minimum Account Value Account Value after Withdrawal must be greater than or equal to Minimum Account Value
Monthly Regular Contribution Plan One-Off Plan Monthly Regular Contribution Plan One-Off Plan
Maximum Amount HK$ 20,000/ US$ 2,500 HK$ 1,000,000 / US$ 125,000 HK$ 10,000 HK$ 400,000
Minimum Amount HK$1,000/ US$125 HK$30,000/ US$3,750 HK$1,000 HK$30,000
Minimum Account Value* HK$3,000/US$375 HK$3,000
*Account Value is total premiums paid with crediting interest added (if any) less Partial Surrender(s) (if any), and premiums for rider benefit(s) (if any).
**Cancer Benefit is only applicable to covered cancers. Please refer to the Policy Provisions for the details and definition of covered cancers.
You will be requested to visit our Customer Service Centres in the event you want to make the following changes: 1) Change of beneficiary; 2) Select offline payment of initial premium; 3) Partial surrender; 4) Full surrender; or 5) Collateral assignments.
Provie Insurance Plan (including One-off and Monthly Regular Contribution Plan) (the "Product") is only available to Hong Kong identity card holders.
In any event, each applicant can only hold at most ONE (1)INFORCE POLICY of the Product through any means of application.

Financial Needs Analysis

Please try out this interactive financial needs analysis before you start saving, making sure Provie is the right product for you.

For the purpose of purchasing a specified insurance plan through this website ("the Product"), I hereby consent the transfer of my personal data from FWD eServices to the issuer of the Product.

New Member? Register here.

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