FWD Invest First Max Review

FWD Invest First Max is an investment-linked policy that accelerates your investment growth with attractive bonuses and reducing charge rates.

FWD Invest First Max product details

• Life Policy – Investment-linked policy
• 3 types of attractive bonuses
  • Fast-track your investment growth with Booster Bonus, Loyalty Bonus and Accumulation Bonus.
    • Up to 186% Booster Bonus over the first 2 years of regular premium payments.
    • Earn Loyalty Bonus of up to 1.1% per annum of Accumulation Units Account (AUA) value from the 3rd policy year onwards.
    • Earn Accumulation Bonus of up to 3% p.a. of AUA value. Receive up to 4 payouts over the premium payment term.
• Reducing charge rates
  • The charge rates will be reduced over time so that you can optimise your investment returns.
• Competitive break-even yield
  • This means that the annual fund growth rates required for you to start reaping returns can be low.
• Accumulate more bonuses by increasing your regular premium contributions
  • Boost your investment growth by increasing your regular premium contribution from the 13th month onwards. Gain additional layers of Booster Bonus, Loyalty Bonus, and Accumulation Bonus with every increase in regular premium contribution to fast-track your investment growth.
• Flexibility to match your finances
  • Option to take a break from paying premiums, make adjustments to your premium contributions and enjoy the flexibility of penalty-free withdrawals to reduce the demand on your finances.
• Option to generate a stream of passive income through dividend payouts
  • Providing access to a wide range of asset classes covering all key markets in the world, including dividend paying funds which allow you to reinvest for growth or withdraw as a stream of passive income.
• Complimentary auto-rebalancing option
  • By opting into auto-rebalancing service, FWD will track and monitor your investment portfolio to make adjustments based on your predefined fund allocation without you lifting a finger.
  • Booster Bonus and Loyalty Bonus are still applicable if you repay the missed regular premium
• Guaranteed Acceptance
  • No medical checks are required to take up this investment-linked policy
    
    

Read about: Investment-Linked Policy: Is it the best option?

Read about: 6 Best Investment Linked Policies in Singapore (Updated)

Features of FWD Invest First Max at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders
NA

Additional Features and Benefits
Yes.

For further information and details, refer to FWD website. Alternatively, fill up the form below and let us advise accordingly.

Read about: Effects of compounding returns on your investments

FWD Invest First Max may be suitable if you are looking for

FWD Invest First Max may potentially be a good fit if the following matters to you:

• To participate in the long-term financial returns of investing
• A full-forced investment-linked policy with minimal insurance coverage
• Able to take investment risks and comfortable with financial market volatility
• Regular-pay premium term investment plan
• Take unlimited premium holidays after the end of the minimum investment period
• Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
• Insurance options without medical underwriting
  
  

Read about: An introduction to Investment Linked Policy

FWD Invest First Max may not be suitable if you are looking for

FWD Invest First Max may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High Death and Terminal Illness coverage
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• Guaranteed financial returns in the long run
• Single premium investment option with no further financial commitment
• Insurance policy with a high surrender value in the early years of the policy
• Expecting an urgent need for withdrawal during a financial market downturn
  
  

Further considerations on FWD Invest First Max

• How is FWD or FWD Invest First Max investment returns based on historical performance?
• How does FWD Invest First Max compare with Investment-linked policies from other insurance companies?
• Can FWD Invest First Max fulfill my financial, insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features of FWD Invest First Max. Talk to us or seek advice from a financial adviser before making any decision about FWD Invest First Max.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Is FWD Invest First Max suitable for me?