FWD Future First Review

FWD Future First is a term life plan with additional benefits to protect you and your family against Death and Terminal Illness. Add on riders to receive a comprehensive coverage.

FWD Future First product details

• Non-participating policy – Term policy
• Insurance Coverage
  • Be covered against Death or Terminal Illness
  • Riders are available to cover you against Total and Permanent Disability, Early Critical Illness, and Critical Illness as well as to waive premiums should any of the above occur
• Spouse Coverage
  • Should you pass on, your spouse will receive a 2 year free-of-charge Death insurance of $250,000
• Post Death Support
  • Should you pass on, your spouse will receive a 2 year free-of-charge Death insurance of $250,000
  • $5,000 will be paid out in advance for funeral expenses
  • 10 counselling sessions totalling not more than $5,000
  • 3 legal advisory sessions totalling not more than $5,000
• Additional Riders – for a comprehensive coverage
  • FWD TPD Rider
    • Add-on insurance coverage against Total and Permanent Disability
  • FWD CI Rider
    • Add-on insurance coverage against 37 Critical Illnesses
  • FWD Total CI Rider
    • Add-on insurance coverage against 141 Critical Illnesses of all stage
    • Be protected 200% of the sum assured against late-stage critical illness after 12 months of Early/Intermediate stage critical illness claim
    • Be protected against 10 Special Conditions
    • Waives future premiums of the rider after successful Early Critical Illness claim
  • FWD CI Premium Waiver Rider
    • Waives future premiums of the base plan and all riders after successful Advance-stage Critical Illness claim
  • FWD Payer Premium Waiver Rider
    • Waives future premiums of the base plan and all riders in the event of total and permanent disability or death of the policyholder
      
      

Read About: 3 things to consider before taking up a new financial product

Read More: 5 Best Term Life Insurance in Singapore (Updated)

Features of FWD Future First at a glance

Cash and Cash Withdrawal Benefits
Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: Yes (with rider)
Terminal Illness: Yes
Critical Illness: Yes (with rider)
Early Critical Illness: Yes (with rider)

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
FWD TPD Rider
FWD CI Rider
FWD Total CI Rider
FWD CI Premium Waiver Rider
FWD Payer Premium Waiver Rider

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.

FWD Future First may be suitable if you are looking for

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

• High Health and Protection coverage
• High insurance coverage for Death or Terminal Illness
• High insurance coverage for Early Critical Illness, Critical Illness, or Total Permanent Disability with riders
• Premium waiver riders to waive premiums should the unexpected happen
• Lower initial premium compared to other types of insurance policies
• Looking to boost insurance coverage or fill shortfalls in an insurance portfolio
  
  

FWD Future First may not suitable if you are looking for

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

• Long-term cash accumulation
• Regular cash payout
• A one-time premium commitment with no further cash commitment
• Insurance policy with a surrender value
  
  

Further considerations on FWD Future First

• How is FWD or FWD Future First and claims based on past track record?
• How does FWD Future First compare with Term policies from other insurance companies?
• Can FWD Future First fulfill my financial, insurance, health, and protection needs?
  
  

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

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

Read Also: No budget for financial planning?

Is FWD Future First suitable for me?