Product Brochure (Prepaid | Annually Paid)
Policy Provision (Prepaid | Annually Paid)

Up to 3%* p.a. Guaranteed Maturity Return

By paying the premium for just 2 years, you can get your Maturity Benefit after 3 years and enjoy 3 years of life protection.

* The guaranteed maturity return is calculated on the basis that the Premium Prepaid plan with annual premiums of no less than HK$100,000 is selected, taking into account the premium discount.

Overview of your Wealthree 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

Wealthree 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.

Annual premium for 2 years

Save and Grow the Smart Way

Guaranteed Maturity Return in 3 Years

Guaranteed Maturity Return in 3 Years

The maturity return after 3 years is guaranteed regardless of the market condition.

Up to 3%<sup>c</sup> p.a. Guaranteed Maturity Return

Up to 3%c p.a. Guaranteed Maturity Return

In just 3 years of time you can enjoy up to 3%c p.a. Guaranteed Maturity Returna.

Well Protected for Your Life

Well Protected for Your Life

The Guaranteed Cash Valuea is building up once your policy is issued. The Product provides a Death Benefitb to ease the financial burden of your loved ones in the unfortunate event of death of the Insured.

a The Guaranteed Cash Value falling between two policy anniversaries will be determined by FWD by prorating the Guaranteed Cash Value as at last and next policy anniversaries. If the Policy Owner surrenders the Policy while it is in force before the Maturity Date, the Policy Owner will be paid the Guaranteed Cash Value less any unpaid premiums (if any) as the Surrender Benefit.

b Prepaid
Death Benefit equals to 110% of total premium paid.

Annually Paid
Death Benefit equals to 110% of Total Premium Paid or the Guaranteed Cash Value (whichever is higher) minus any unpaid premiums (if any).

c The guaranteed maturity return is calculated on the basis that the Premium Prepaid plan involving with annual premiums of no less than HK$100,000 is selected, taking into account the premium discount.


Credit Risk

This Product is an insurance policy issued by FWD. The application of this insurance product and all benefits payable under your Policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under this insurance contract.


Liquidity Risk

This product is 3 year term insurance policy as determined starting from the policy effective date to the policy maturity date. The Policy contains value and, if you surrender your Policy in the early policy years or before its maturity date, the amount you get back may be considerably less than the first year premium and the Prepayment Amount you have paid. Any amount in the PDA is unable to be surrendered or returned to you unless the Policy is also cancelled, surrendered or otherwise terminated before the first Policy Anniversary. You should ensure that you intend to leave your Prepayment Amount in your PDA. Application of the Product may constitute the liquidity risk to your financial condition. You need to bear the liquidity risk associated with the Product.


Exchange Rate and Currency Risk

The application of this Product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this Product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on the benefits you receive from this Product and your burden of the premium payment.


Inflation Risk

The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under this Policy may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.


Early Surrender Risk

If you surrender your Policy in the early policy years or before its maturity date, the amount of the benefit and the balance of the PDA (if applicable) you will get back may be considerably less than the first year premium and Prepayment Amount you paid.


Premium Payment term

The premium payment term of the Policy is 2 years. You must pay the Prepayment Amount at the time of policy application. At the first Policy Anniversary, FWD will automatically use the balance of the PDA to settle the second year premium

Credit Risk

This Product is an insurance policy issued by FWD. The application of this insurance product and all benefits payable under your Policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under this insurance contract.


Liquidity Risk

This product is 3 year term insurance policy as determined starting from the policy effective date to the policy maturity date. The Policy contains value and, if you surrender your Policy in the early policy years or before its maturity date, the amount you get back may be considerably less than the total premiums you have paid. Application of the Product may constitute the liquidity risk to your financial condition. You need to bear the liquidity risk associated with the Product.


Exchange Rate and Currency Risk

The application of this Product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this Product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on the benefits you receive from this Product and your burden of the premium payment.


Inflation Risk

The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under this Policy may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.


Early Surrender Risk

If you surrender your Policy in the early policy years or before its maturity date, the amount of the benefit you will get back may be considerably less than the total amount of the premiums you paid.


Premium Payment term and non-payment of premium

The premium payment term of the Policy is 2 years. FWD allows a Grace Period of 30 days from the premium due date of the premium for the second Policy Year. If a premium is still unpaid at the expiration of the Grace Period, FWD will forcibly surrender the Policy effective from the date the unpaid premium was due. FWD will pay the Policy Owner the Guaranteed Cash Values less unpaid premiums. Please note that once the Policy is terminated on this basis, you will lose all of your other benefits.

Universal Life 19 to 60 Monthly Plan:

Until Age 100
(can suspend or resume premium payment anytime)

One-Off Plan:
One-off
Until Age 100 Hong Kong or US dollars Policies in Hong Kong dollars:
Guaranteed crediting interest rates

1.5% (1st and 2nd Policy Years)
  2% (3rd and 4th Policy Years)
  3% (5th Policy Year)

Policies in US dollars:
Guaranteed crediting interest rates

2% (For first 4 Policy Years)
3% (5th Policy Year)
Starting from the 6th policy year, the crediting interest rate is not guaranteed and is subject to change during the term of the policy. The guaranteed minimum crediting interest rate for the Product is 0% per annum.
105% of the Account Value** Choose 1 from the 3 free Protection Riders Choose 1 from the 3 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)
100% Account Value** 100% Account Value** Partial surrender amount^ Unlimited^ HK$1,000/US$125 Account Value after partial surrender must be greater than or equal to Minimum Account Value HK$3,000/US$375 Detail
Universal Life 19 to 70 Monthly Plan:

Until Age 100
(can suspend or resume premium payment anytime)

One-Off Plan:
One-off
Until Age 100 Hong Kong dollar Guaranteed crediting interest rates 2% (For the first 3 Policy Years)
Starting from the 4th policy year, the crediting interest rate is not guaranteed and is subject to change during the term of the policy. The guaranteed minimum crediting interest rate for the Product is 0% per annum.
105% of the Account Value** Accidental Death Benefit 100% of the Account Value**, until the age of 70
(subject to a maximum of HK$400,000 per Insured under the Product)
100% Account Value** 100% Account Value** Partial surrender amount^ Unlimited^ HK$1,000 Account Value after partial surrender must be greater than or equal to Minimum Account Value HK$3,000 Detail

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.

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