In today's uncertain world, protecting your loved ones goes beyond just financial security. Have you ever wondered what would happen to your family if you were no longer there to support them? FWD Future First is a unique term life insurance plan that not only provides financial protection but also offers comprehensive support to help your family recover and adapt to their new normal. Let's dive deep into what makes this plan stand out and how it can benefit you and your loved ones.
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FWD Future First is a term life insurance policy that combines financial protection with practical and emotional support . It's designed to give your family more than just money in the event of your death or terminal illness - it provides them with a plan to recover and move forward.
Pays out the full sum insured in case of death or terminal illness . Advance payment of S$5,000 for funeral expenses.
Provides your spouse with a 2-year premium-free insurance policy worth S$250,000 if you pass away.
Offers practical assistance, emotional support, and professional services worth up to S$15,000 .
Options to enhance coverage for total and permanent disability, critical illnesses, and more.
Robo underwriting for instant application results. User-friendly online application system (FWD SMART).
The core of FWD Future First is its financial protection. If you pass away or are diagnosed with a terminal illness, the policy pays out the full sum insured to your beneficiaries. This ensures that your family has the financial means to continue their lives without you. Additionally, the policy offers an advance payment of S$5,000 to cover immediate funeral expenses, easing the financial burden during a difficult time.
FWD Future First goes a step further by providing a safety net for your spouse. If you pass away, your spouse (if under 60 years old) receives a 2-year premium-free insurance policy with a sum insured of S$250,000. This gives your partner time to adjust to the new financial reality without worrying about immediate insurance coverage.
What truly sets FWD Future First apart is its Exclusive Recovery Programme. This programme, valued at up to S$15,000, offers comprehensive support to help your family recover and adapt. It includes:
A Claims Concierge to help retrieve medical reports for claim processing. Advance payment of S$5,000 from the sum insured to manage immediate costs.
Up to 10 counselling and life coaching sessions (reimbursed up to S$5,000 in total).
Up to 3 legal advice sessions (reimbursed up to S$5,000 in total).
FWD Future First offers several riders to customize and enhance your coverage:
Covers total and permanent disability. Includes home care support.
Covers late-stage critical illnesses. Includes home care support and access to medical second opinion support.
Covers 141 early, intermediate, and late-stage critical illnesses, including future unknown illnesses . Offers multiple claim options and special condition coverage.
Waives future premiums if you're diagnosed with a covered late-stage critical illness.
Waives future premiums if the policy owner dies, becomes totally and permanently disabled, or is diagnosed with a covered late-stage critical illness.
FWD leverages technology to make the insurance process simpler and more efficient:
These technological innovations, combined with FWD's commitment to minimal exclusions and intuitive policy design, make FWD Future First a modern and user-friendly insurance option.
If you pass away, your beneficiaries would receive: The full sum insured, S$5,000 advance payment for funeral expenses, Access to the FWD Exclusive Recovery Programme, A 2-year term life cover for your spouse (if eligible) .
If you're diagnosed with a terminal illness, you would receive: The full sum insured, Access to the FWD Exclusive Recovery Programme .
If you become totally and permanently disabled, you would receive: The full sum insured, Home care support, Access to the FWD Exclusive Recovery Programme .
Comprehensive coverage beyond just financial protection
Unique recovery programme to support family members
Flexible add-on riders for customized coverage
Innovative technology for easy application and claims process
2-year term life cover for spouse
Premiums may be higher compared to basic term life policies
Some benefits are reimbursement-based, requiring upfront payment
Waiting periods apply for certain conditions (e.g., 90 days for some critical illnesses)
No, it's a pure protection plan with no savings or investment component.
Your policy will end after a 60-day grace period.
You should discuss any changes with your Financial Adviser Representative.
Yes, like most insurance policies, there are some exclusions. Refer to the policy documents for details.
Contact FWD as soon as possible. They will guide you through the claim process.
FWD Future First offers a unique approach to term life insurance by combining financial protection with practical and emotional support . Its innovative features, such as the FWD Exclusive Recovery Programme and the 2-year term life cover for spouses, set it apart from traditional policies. The flexibility to add various riders allows you to create a comprehensive protection plan tailored to your needs.
However, as with any insurance decision, it's crucial to carefully consider your personal circumstances, budget, and long-term goals. While FWD Future First offers extensive benefits, it may come at a higher cost compared to basic term life policies.
Remember, the best insurance plan is one that provides you and your loved ones with peace of mind and fits your specific situation. If you're considering FWD Future First or exploring other term life insurance options, it's always wise to consult with a qualified financial adviser who can provide personalized recommendations based on your unique needs and circumstances.
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