In order to kick start your plan and reach 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%

Saving Preference

Enjoy Up to HK$400 premium discount for each matching number with your HKID card number for One-off plan at FWD Insurance Solutions Centre!

Congratulations! You can enjoy the following premium discount!
(Only applicable to customers applying for One-Off plans at FWD Customer Service Centre.)

Your HKID card number does not meet the requirement for the premium discount! But you can learn more about the existing promotion offers of Wealthree Endowment Plan

HKD Policy

HK$ 400,000 or above One-off Premium HK$ 300,000 – HK$ 399,999 One-off Premium HK$ 100,000 – HK$ 299,999 One-off Premium
HK$ HK$ HK$
HK$ HK$ HK$
HK$ HK$ HK$
HK$ HK$ HK$

(e.g. HKID Card number “A103437(4)” – the total number is 4)

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.
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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

Enjoy guaranteed crediting interest rates* for the first 5 policy years, allowing your wealth to grow on a daily basis.*After the first 5 policy years, you can choose to stay with us to continue saving at the annual crediting interest rates declared by FWD.

Free protection rider of your choice

Free protection rider of your choice

In addition to a Death Benefit where 105% of the Account Value3 is payable in the unfortunate event of the death of the Insured, you can choose one complimentary extra protection from three provided riders, giving you extra peace of mind. (*The number of riders available is determined by the financial need analysis result)
Flexibility and No Fees

Flexibility and No Fees

You have the option to suspend or resume your monthly premiums and partially surrender your policy with NO charges at any time (even during the guaranteed crediting interest rate period) – giving you the freedom to adapt to ever-changing circumstances. *Partial surrender is subject to FWD’s rule.
Easy Application

Easy Application

You can simply make a reservation online before visiting our Insurance Solutions Centre to complete your application.

Supports HK and US dollars

Supports HK and US dollars

Your policy can be issued in either Hong Kong or US dollars, offering choices of your preferred currency.

Instant Withdrawal

Instant Withdrawal

Tap & Go is a prepaid mobile payment service, allowing you to pay by simply tapping your smartphone, or transfer money remotely. Provie customers can now enjoy the free instant withdrawal service by downloading the Tap & Go App.
Find out more

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.

Looking for more Saving Options?

#Starting from policy year 4, the crediting interest rate of Savie is not guaranteed.

^Starting from policy year 6, the crediting interest rate of Provie is not guaranteed.

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.

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