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Term Life

Introduction

In today's uncertain world, protecting your loved ones' financial future is paramount. Term life insurance offers a cost-effective way to provide substantial coverage for a specific period. FWD Future First is a comprehensive term life insurance product designed to offer more than just financial protection. It provides a holistic approach to support your family's recovery and well-being in the event of an unfortunate circumstance. With its unique features and benefits, FWD Future First stands out as a forward-thinking solution for those seeking robust life insurance coverage.

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Coverage and Benefits

FWD Future First offers a range of comprehensive benefits to ensure your loved ones are well-protected. From financial support to unique recovery programs, this product goes beyond traditional term life insurance. Let's explore the key features that make FWD Future First an exceptional choice for your insurance needs.

Death Benefit

Full Sum Insured Payout: In the event of death, the full sum insured will be paid to your beneficiaries. An advance payment of S$5,000 from the sum insured can be requested to cover funeral expenses.

Terminal Illness Coverage

Full Sum Insured Payout: If diagnosed with a terminal illness, the full sum insured will be paid to you or your beneficiaries. Terminal illness is defined as a condition expected to lead to death within 12 months.

Spouse Protection

2-Year Free Coverage: Your surviving spouse (under 60 years old) will receive a 2-year premium-free insurance policy with a sum insured of S$250,000 for death coverage.

FWD Exclusive Recovery Programme

Comprehensive Support: This programme, worth up to S$15,000, covers practical assistance, emotional support, professional services, and medical second opinion support to help your family adapt to their new normal.

Practical Assistance

Claims Concierge: A dedicated Claims Concierge will help retrieve medical reports if needed for claim processing. An advance of S$5,000 from the sum insured is provided to manage costs before the full claim payout.

Emotional Support

Counselling Sessions: Up to 10 counselling and life coaching sessions with a professional counsellor are covered, with a total reimbursement of up to S$5,000 for all sessions.

Policy Terms and Conditions

Understanding the terms and conditions of your FWD Future First policy is crucial for making an informed decision. This section outlines key aspects of the policy, including entry ages, policy terms, and additional features that provide flexibility and long-term value.

Entry Ages

Wide Age Range: While specific entry age limits are not provided in the given information, term life insurance policies typically offer coverage for a broad range of ages, from young adults to seniors.

Policy Terms

Flexible Duration: FWD Future First is a term life insurance product, which means it provides coverage for a specific period. The exact policy terms available are not specified in the provided information.

Renewability

Renewal Options: Information about policy renewability is not explicitly stated in the provided details. It's advisable to check with FWD or an authorized agent for specific renewal terms and conditions.

Convertibility

Policy Conversion: The document does not mention any convertibility options. Interested customers should inquire about the possibility of converting the term policy to a permanent life insurance policy.

Premium Guarantees

Premium Stability: The product information does not specify whether premiums are guaranteed to remain level throughout the policy term. Clarification on premium structures should be sought from FWD or an authorized representative.

Real premiums suggested for FWD Future First

AgeWhat suggestion coversPremium
24, Female making
$4,200 a month
personal accident
$250,000
$626.21 annual
29, Female making
$4,166.667 a month
TPD
$1,000,000
death
$1,000,000
$481.1 annual
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Riders

FWD Future First offers a range of optional riders to enhance your coverage and tailor the policy to your specific needs. These riders provide additional protection against various risks, ensuring a more comprehensive insurance solution. Let's explore the available riders and their benefits:

FWD TPD Rider

Total and Permanent Disability: Provides an accelerated payout of your base plan in the event of total and permanent disability. Includes home care support benefits, utilizing the base plan's professional services benefit of S$5,000 for home nursing services and modifications.

FWD CI Rider

Critical Illness Coverage: Offers an accelerated payout for late-stage critical illnesses. Includes home care support and access to medical second opinion support from over 100 globally renowned medical institutions through MediGuide International, LLC.

FWD Total CI Rider

Comprehensive CI Protection: Covers 141 early, intermediate, and late-stage critical illnesses, including future unknown illnesses. Offers up to 200% of the rider's sum insured and includes special condition coverage and premium waiver benefits.

FWD CI Premium Waiver Rider

Premium Protection: Waives future premiums on the base plan and attached riders if the insured is diagnosed with any covered late-stage critical illness. Can be combined with the FWD CI rider for enhanced protection.

FWD Payer Premium Waiver Rider

Policyholder Protection: Waives future premiums if the policy owner dies, becomes totally and permanently disabled, or is diagnosed with any covered late-stage critical illness.

Claims and Customer Service

When it comes to filing claims or seeking customer support for FWD Future First, policyholders have several options. FWD provides a dedicated hotline at +65 6820 8888 for immediate assistance. Their website, www.fwd.com.sg, likely offers online claim submission and customer service features. Operating hours for phone support are 9am to 10pm Monday to Friday, and 9am to 1pm on Saturdays, excluding public holidays. For specific claim requirements or complex inquiries, it's advisable to contact FWD directly or consult with an authorized Financial Adviser Representative who can guide you through the process and ensure all necessary documentation is provided.

Conclusion


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