Receive a regular income for as long as you live . Choose from monthly, quarterly, semi-annual, or annual payouts.

Options for single premium or regular premium payments. Premium payment terms of 5, 10, 15, or 20 years available.

Provides financial protection for your loved ones. Includes coverage for terminal illness.

Add-on benefits to customize your coverage. Options may include critical illness coverage, disability income, and more.

Non-guaranteed bonuses may increase your overall benefits. Opportunity for your policy value to grow over time.

Choose how long you want to pay premiums - either as a lump sum (single premium) or over a period of 5, 10, 15, or 20 years.

This is the time between when you start the policy and when you start receiving income. You can choose when you want your income to begin.

Once your chosen income start date arrives, you'll begin receiving regular payouts. These continue for life, providing you with a stable income stream.

If you pass away while the policy is in force, your beneficiaries will receive a lump sum payment.

If you're diagnosed with a terminal illness, you can receive an advance payment of the death benefit.

The primary benefit is the regular income you'll receive for life. This can help cover your living expenses, fund your retirement lifestyle, or provide financial support for your loved ones.

In the event of your passing, your beneficiaries will receive a lump sum payment. This can help ensure your family's financial security even after you're gone.

If you're diagnosed with a terminal illness, you can receive an advance payment of your death benefit. This can help cover medical expenses or fulfill last wishes.

Depending on the riders you choose, you may have additional coverage for critical illnesses, disabilities, or other specific needs.

Sarah, age 40, wants to ensure a comfortable retirement. She chooses FWD Life Income Plus with a 20-year premium payment term and sets her income to start at age 65. This gives her: A guaranteed income stream starting at retirement age, life insurance coverage during her working years, and the potential for increased benefits through non-guaranteed bonuses.

Mike, age 30, wants to achieve financial independence early. He opts for a 10-year premium payment term and sets his income to start at age 50. This provides: An early start to guaranteed lifetime income, the flexibility to pursue passion projects or reduce work hours, and continued life insurance coverage.

Linda, age 55, wants to leave a financial legacy for her children while ensuring her own retirement. She chooses a single premium option with income starting at age 65. This offers: Guaranteed income for her retirement years, a substantial death benefit for her children, and the potential for increased benefits over time through bonuses.

You should check with FWD about the flexibility to change your income start date after the policy is in force.

Early surrender may result in significant financial loss. The surrender value may be less than the total premiums paid, especially in the early years of the policy.

Tax treatment of insurance payouts can be complex. It's best to consult with a tax professional for advice specific to your situation.

Check with FWD about options to increase your coverage or income amount after the policy is in force. This may require additional underwriting.

Stopping premium payments may result in the policy lapsing or being converted to a reduced paid-up policy with lower benefits. Always discuss options with your financial advisor if you're having difficulty making payments.