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.
Find the right coverage in minutes
Use our advanced calculator to get personalized insurance recommendations
Get precise coverage recommendations based on your needs
Receive instant results without lengthy consultations
Get tailored recommendations based on your unique situation
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.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on term life insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for you and your loved ones. Don't leave your family's future to chance – get the expert advice you deserve today .
By filling this out, you agree to allow us to contact you about insurance related information.
Read the complete transcript of our expert discussion about FWD Future First. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the deep dive.
Click above to view the complete podcast transcript (174 sections)
Compare other term life options to find the best coverage for your needs
FWD Life Protection offers a unique feature that sets it apart from typical life insurance policies. With the ability to boost your coverage up to 5 times until age 85, this plan provides exceptional flexibility and increased protection during your prime years. This innovative approach allows you to adapt your coverage as your life circumstances change, ensuring you have the right amount of protection when you need it most.
FWD Term Life Plus offers comprehensive protection with a unique edge. Not only does it cover an impressive 35 critical illnesses with a 100% sum insured payout, but it also allows you to extend protection to your parents - a thoughtful feature for those looking to safeguard their entire family. This innovative approach to life insurance combines broad coverage with family-centric benefits, making it a standout choice for comprehensive protection.
AIA Mortgage Reducing Term Assurance offers more than just protection for your home loan. This innovative product extends its coverage to critical illnesses, providing an extra layer of security for you and your loved ones. Remarkably, it even allows you to safeguard your parents' home loan, offering peace of mind across generations.
AIA Secure Flexi Term offers a flexible approach to life insurance with some standout features. Not only can you secure up to $1 million in death benefits for yourself, but you also have the unique option to extend protection to your parents. This versatile plan adapts to different life stages, providing peace of mind for you and your loved ones.
AXA Term Protector offers a unique advantage in the world of life insurance: coverage that extends up to age 99, providing long-term peace of mind for you and your loved ones. What's more, this versatile plan allows you to protect not just yourself, but also your parents, making it a comprehensive solution for multi-generational security. Discover how AXA Term Protector can safeguard your family's future well into your golden years.
China Life Term Guardian offers a unique approach to life insurance, extending coverage up to age 84 - a feature that sets it apart in the market. This plan not only protects you but also allows you to safeguard your parents, providing peace of mind for multiple generations. With its extended coverage age and flexibility, China Life Term Guardian offers a comprehensive solution for those seeking long-term protection for themselves and their loved ones.
China Taiping i-Protect stands out with its extensive critical illness coverage, protecting you against a remarkable 149 conditions with coverage up to S$3M. What's more, this versatile plan allows you to extend protection to your parents, offering a comprehensive safety net for your entire family. Discover how this unique feature can provide peace of mind for you and your loved ones.
Complete Cancer Care offers a groundbreaking approach to cancer insurance with a standout feature: 100% sum assured payout for any cancer stage, providing comprehensive financial protection from day one. This unique benefit ensures that you receive full support regardless of the cancer's severity, allowing you to focus on recovery without financial stress. Moreover, the plan extends its protective umbrella to your parents, offering a holistic family-oriented solution in the face of cancer.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Term Life insurance basics or compare Term Life policies
