Affordable premium for comprehensive coverage

Regardless of your financial situation, this Plan is the affordable answer for you.

20-Year Certainty

The premiums payable are guaranteed to stay the same for the first 20 policy years.

Choice of protection level

Flexible and comprehensive to suit your needs regardless of your state of health.

Benefits

Protection Till Age 95 - FWD Term Life Insurance

Protection till age 95

Protection till age 95

Starting from the 21st policy year, the premium will be determined annually based on your age next birthday at the time of renewal1. No matter what your state of health is, the Plan continues up to the age of 95.

Death Benefit Plan - FWD Term Life Insurance

Death Benefit

Death Benefit

Provides a Death Benefit where 100% of the sum insured will be payable 2 in the unfortunate event of the death of the insured. During the term of the Plan, if the death of the insured is highly likely within a year, a lump sum equivalent to the Death Benefit will be paid in advance2,3 to help you to cope with the financial strain.

Convertible Permanent Life Insurance Plan - FWD Term Life Insurance

Tailored to your changing lifestyle

Tailored to your changing lifestyle

Over the span of an individual's lifetime, circumstances and obligations can change. This Plan enables you to convert4 to a permanent life insurance plan before you reach the age of 70. No medical examination or evidence of insurability is required.

Easy Online Application - FWD Term Life Insurance

Simplified purchase process

Simplified purchase process

Simplified underwriting process enables you to complete the entire application process online. You may also visit our service centers for more precise quotes.

Anxiety-free, Affordable and Flexible Plan - FWD Term Life Insurance

Peace of mind

Peace of mind

Elite Term Plan is an affordable and flexible plan now available online. This simple yet wide-ranging plan provides comfort and security for you, your family and business. Your ultimate goal is absence of anxiety, and the presence of serenity, calm and peace of mind.

Claim Ambassador - FWD Term Life Insurance

Claim ambassador

Claim ambassador

When the insured applicant is hospitalised or requires assistance during the claim process, a claim ambassador will be present to help make the claim for the applicant or beneficiary

Remarks:
  1. For the first 20 policy years, the premium rates are guaranteed. Starting from the 21st policy year, the premium rates are not guaranteed.
  2. Where the premium payment mode is other than annually, if the Death Benefit or Advanced Death Benefit is payable, FWD shall deduct from the amount payable the unpaid premiums (if any) for the remainder of the current year of insurance, together with any other indebtedness.
  3. While the policy is in force and the insured's advent of death is highly likely within 12 months as certified by a registered medical specialist as defined in the policy and is accepted by FWD, the Advanced Death Benefit in the sum equivalent to the Death Benefit will be payable to the policy owner in advance subject to the HK$1,000,000 per insured. Upon payment of such benefit to the policy owner, the sum insured and the premium of the policy will be reduced accordingly. If the sum insured is reduced to zero or below, the policy will terminate. Advanced Death Benefit is not applicable under specific circumstances. Please refer to the exclusions for the Advanced Death Benefit on the policy provisions.
  4. Please refer to the details of Conversion Privilege in policy provision.

For a complete explanation of the terms and conditions, please contact your adviser or our Service Hotline 3123 3123 for more details.

If you have any inquiry or complaint, please call our 24-hour Service Hotline at (852) 3123 3123 or send us an email at cs.hk@fwd.com.