In today's fast-paced world, unexpected health issues can arise at any time. Did you know that cardiovascular diseases and cancer are among the leading causes of death in Singapore ? With such sobering statistics, it's crucial to have a safety net that protects you and your loved ones. If you're looking for a flexible insurance plan that offers coverage for critical illnesses and death, FWD Flex might be the solution you've been searching for.

FWD Flex is a non-participating insurance policy designed to provide comprehensive coverage for death and three critical illnesses: cancer, heart attack of specified severity, and stroke with permanent neurological deficit . This policy aims to offer financial protection against life's unexpected health challenges, giving you peace of mind as you navigate your daily life.

Note: Once either the 3CI Benefit or Death Benefit is paid out, the policy will be terminated.

The coverage amount (sum insured) is determined when you purchase the policy. FWD Flex allows you to choose a sum insured that fits your needs and budget . Remember, this amount will be paid out in full for either a critical illness claim or a death claim.

The premiums for FWD Flex are designed to be affordable and flexible:

• You can choose to pay monthly or yearly

• Premiums are guaranteed to remain the same for each one-year policy term

• However, FWD reserves the right to adjust premiums at renewal

The exact cost will depend on factors such as your age, gender, smoking status, and the sum insured you choose. FWD will provide you with a detailed premium quote based on your specific circumstances.

FWD Flex offers flexibility in terms of policy duration:

• The initial policy term is one year

• It's automatically renewed each year if:

1. The policy is still active

2. You haven't reached 55 years old yet

• You have the option to not renew by informing FWD 30 days before the policy end date

• Premiums for renewed policies are based on your age at renewal

This flexibility allows you to reassess your coverage needs each year and make changes as necessary.

Like all insurance policies, FWD Flex has some exclusions:

1. Suicide or self-inflicted acts within the first year of the policy

2. Unlawful acts

3. Pre-existing conditions

4. Critical illnesses diagnosed within the first 90 days of the policy

It's crucial to read the policy contract carefully to understand all exclusions fully.

FWD Flex offers a straightforward approach to critical illness and life insurance. Its simplicity, flexibility, and focus on major health risks make it an attractive option for those seeking essential coverage without complicated terms. However, as with any insurance decision, it's important to carefully consider your personal needs, health status, and financial situation before making a choice.

Remember, the best insurance is the one that provides the right coverage for your specific circumstances. If you're considering FWD Flex or any other insurance plan, it's always wise to compare multiple options and possibly consult with a financial advisor who can provide personalized recommendations.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your financial security to chance – get the expert advice you deserve today.