Elite Term: Term Life Insurance
Elite Term Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited ("FWD Life/ FWD"). i.FWD.com.hk ("iFWD Platform") is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of FWD Life.

Customised life insurance protection that best fit your needs

Flexible range of Sum Insured from HK$400,000 to 2,000,0005 for selection

High insurance coverage at low cost, with guaranteed and level premiums for first 20 years

The premium payable is guaranteed to remain the same for the first 20 policy years.

Online application, no medical examination needed

No medical examination or evidence of insurability is required.

Product Factsheet Product Factsheet Policy provisions Policy provisions

A simple, low-cost and flexible life insurance

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 various factors, including but not limited to Insured's age next birthday at the time of renewal1. No matter what Insured's state of health is, the Plan continues up to insured's age of 95.

Death Benefit Plan - FWD Term Life Insurance

100% of the sum insured as Death Benefit3, and up to HK$1,000,000 could be paid in advance in specific situation

100% of the sum insured as Death Benefit3, and up to HK$1,000,000 could be paid in advance in specific situation

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.

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

Monthly payment provides flexibility

Monthly payment provides flexibility

Monthly premium payment mode, no extra charge on policy cancellation6. Tailored to your changing needs along life journey.

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.

Convertible Permanent Life Insurance Plan - FWD Term Life Insurance

Right to convert4 to a permanent life insurance plan before age 704

Right to convert4 to a permanent life insurance plan before age 704

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.

Claim Ambassador - FWD Term Life Insurance

Claim ambassador aided claim process

Claim ambassador aided claim process

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. The policy anniversary immediately preceding age 70. Please refer to the details of Conversion Privilege in policy provision.
  5. The minimum sum insured is HK$400,000, while the maximum sum insured is ranging from HK$500,000 to $2,000,000, depending on the insured's age on next birthday at the time of application.
  6. This policy does not have surrender benefit and maturity benefit, therefore, there will be no premium refund for policy cancellation after the cooling-off period. And all benefits will be terminated upon policy cancellation.

For a complete explanation of the terms and conditions, please contact your adviser or our Service Hotline 3123 3338 for more details.

This product is available to HKID Card holders with a Hong Kong residential address only. Each insured can only be insured by ONE (1) POLICY of the Plan. The promotion is subject to its Terms and Condition. For details including product features and risks involved, please refer to the policy provision of this product.

If you have any inquiry or complaint, please call FWD Financial Service Hotline at (852) 3123 3338 or send us an email at cs.ifwd.hk@fwd.com.