Give them all the supportthey didn’t know they needed

+65 6820 8888

FWD Future First

Celebrate livingfwd.com.sg

Should the unfortunate happen to you, your family will need more than just a �nancial protection policy.

They will need a plan.

2

Give them a plan that helps them recover More than being �nancially equipped when the unfortunate happens, we believe that having the right experts to talk to is key to recovery.

In Singapore, matters of grief and loss often go unspoken.We don’t do it openly enough, particularly with our kids.

But in today’s world, it’s necessary.

That’s why at FWD, we’re taking it beyond just �nancial support.

Introduction

3

Recovery.Recovery begins with talking.We’ll make sure your family have the right people to talk to.

FWD Exclusive Recovery ProgrammeThe programme covers practical assistance, emotional support, medical second opinion as well as professional services, which work holistically to provide you and your family with the right people to talk to.

This service, worth up to S$15,000 is extended to you when you purchase FWD Future First or attach any rider.

Practical assistance Emotional support

Medical second opinionProfessional servicesProfessional services

The FWD Exclusive Recovery Programme applies to the base policy and riders. Please refer to the core policy Recovery bene�ts and optional coverage and bene�ts pages for details.

At FWD, we understand what it takes for families to adapt to their new normal after the passing of a loved one or during an illness or disability. Beyond providing for them �nancially, through our Exclusive Recovery Programme, we will reimburse them when they speak to experts.

How this plan works

4

Financial support for death or terminal illness

Death and Terminal Illness (TI) Bene�t*

If you die, the full sum insured will be paid to your bene�ciaries. We can make a S$5,000 advance payment of your sum insured to help manage funeral expenses.

If you are diagnosed as terminally ill, the full sum covered will be paid to you or your bene�ciaries.

2-Year Term Life cover for your spouseWe understand that if you were to die, your family will need time to build a life without you. To protect them further, we will provide your spouse a 2-year premium-free insurance policy with a sum insured of S$250,000 for death*

* What is Terminal Illness? Terminal Illness is the conclusive diagnosis of an illness or condition that is expected

to lead to death within twelve (12) months.

This diagnosis must be supported by a specialist and con�rmed by our appointed Medical Practitioner.

*Surviving spouse must be less than 60 years old to qualify for the 2-year premium-free insurance policy.

Core policy coverage & bene�ts

5

At FWD, we understand what happens to families when a spouse or parent dies or is unable to function as they used to. Beyond providing for them �nancially, we will help families recover by talking to each other and to the right experts.

Here’s exactly what they can expect to receive:

Beyond �nancial support with theFWD Exclusive Recovery Programme

We will assign a Claims Concierge to help retrievemedical reports if needed to process the claim. Wewill also provide an advance of S$5,000 from yoursum insured to your spouse upon your death, tomanage costs before the full claim is paid out.

We will pay for up to 10 counselling and life coaching sessions with a counsellor; but we will only pay up to S$5,000 in total for all sessions.

We will pay for up to 3 legal advice sessions with alegal adviser; but we will only pay up to S$5,000 intotal for all sessions.

Practical assistance

Emotional support

Professional services

The Recovery bene�ts shown here are applicable to the base policy only. For Recovery bene�ts applicable to riders, please see page 7.

Core policy coverage & bene�ts

6

Enhance your coverage with riders that will provide an accelerated payout of your base plan in the unfortunate event of a Critical Illness and/or Total & Permanent Disability. This support provides the �nancial means for you and your family to ease into your new normal. This money can act as income to replace your spouse’s income if he/she chooses to take time o� work to care for you or to pay for travel expenses if you need to seek medical treatment abroad.

Critical Illness Rider and Total & PermanentDisability Rider2 great ways to enhance your coverage

Professional servicesWhen you attach a Critical Illness or Total & Permanent Disability rider, you can utilise the base plan's Professional services bene�t of S$5,000 and get reimbursement for home care support, in the form of:

Medical second opinion

Home nursing services*

When your caregiver needs a break or whenever home nursing care is needed

Home modi�cations*When you need to install mobility aids like grab bars or improve accessibility by widening doorways or installing ramps

When you attach a Critical Illness rider, you will be able to get your diagnosis and treatment plan evaluated by over 100 globally renowned medical institutions through Mediguide International, LLC, from Delaware USA. This comprehensive review by a team of experts provides you with a collaborative and holistic review to help you make critical health decisions.

Optional coverage and bene�ts

7

Please note that FWD may, at its sole discretion, change the service provider for the provision of the Medical second opinion service without prior notice.

*Do note that the home nursing and home modi�cations bene�t are utilised from the base policy’s Professional Services bene�t.The total amount reimbursable for the Professional Services bene�t is S$5,000.

Financial stabilityIf the death of any earning member of the family can pose a serious threat to managing household expenses while taking care of basic needs.

Asset for your debt pledgesIf you intend to have an asset that can assure repayment of your speci�c debt or ful�lment of a contract, in the event of your passing away.

Speak with your �nancial adviser representative today if you say 'yes' to any of the scenarios mentioned below.

Big cover, low contributionsIf you are looking to protect your assets and yet want to achieve it within your budget.

Secure family obligationsIf there are gaps in your current �nancial plans that may a�ect yourfamily's �nancial well-being in the event of your passing.

8

Do you have any of these concerns?

8

Robo underwritingUnderwriting can lengthen the time it takes to approve your application. Our Robo underwriting technology aims to provide you instant results, so there's no more waiting.

FWD Smart

Powered by technology

Minimal exclusions

This is our user-friendly and intuitive online application system, designed to replace the inconvenience of manually completing application forms.

No long lists of hidden clauses that prevent us from giving you what is due

Intuitive designAll our documents are designed to make it easier for customers to understand and take action

But it’s not just about our tech, it’s about people and how we can make things easier and simpler for them

Here are the reasons why FWD has been awarded the title of InsureTech company of the year in 2018 & 2019 at the Bloomberg Businessweek Financial Institution Awards

A simpler and easier experience for you

9

Important to know

1. Major Cancer2. Heart Attack of Speci�ed Severity3. Stroke with Permanent Neurological De�cit4. Coronary Artery By-pass Surgery5. End Stage Kidney Failure6. Irreversible Aplastic Anaemia7. End Stage Lung Disease8. End Stage Liver Failure9. Coma10. Deafness (Irreversible Loss of Hearing)11. Open Chest Heart Valve Surgery12. Irreversible Loss of Speech13. Major Burns14. Major Organ / Bone Marrow Transplantation15. Multiple Sclerosis16. Muscular Dystrophy17. Idiopathic Parkinson’s Disease18. Open Chest Surgery to Aorta19. Alzheimer’s Disease / Severe Dementia20. Fulminant Hepatitis

1. Heart Attack of Speci�ed Severity2. Major Cancers3. Other Serious Coronary Artery Disease4. Coronary Artery By-pass Surgery5. Angioplasty and Other Invasive Treatment For Coronary Artery

21. Motor Neurone Disease22. Primary Pulmonary Hypertension23. HIV Due to Blood Transfusion and Occupationally Acquired HIV24. Benign Brain Tumour25. Severe Encephalitis26. Severe Bacterial Meningitis27. Angioplasty & Other Invasive Treatment for Coronary Artery*28. Blindness (Irreversible Loss of Sight)29. Major Head Trauma30. Paralysis (Irreversible Loss of Use of Limbs)31. Terminal Illness32. Progressive Scleroderma33. Persistent Vegetative State (Apallic Syndrome)34. Systemic Lupus Erythematosus with Lupus Nephritis35. Other Serious Coronary Artery Disease36. Poliomyelitis37. Loss of Independent Existence

Major Critical Illness conditions covered under your FWD Future First Critical Illness riderThese de�nitions are prescribed by Life Insurance Association of Singapore (LIA)

Waiting PeriodThese de�nitions are prescribed by the Life Insurance Association of Singapore (LIA)

The Life Insurance Association Singapore (LIA) has standard De�nitions for 37 severe stage Critical Illnesses. These Critical Illnesses fall under Version 2019. You may refer to www.lia.org.sg for the standard De�nitions (Version 2019).

The above applies even if the signs or symptoms were not apparent to the person insured, if they would have been apparent to a reasonable person in the same place.

Before a claim can be made, the following critical illness conditions need to be diagnosed (or the signs or symptoms �rst became apparent to the person insured) more than 90 days of cover starting, being reinstated or being increased (for the increased amount).

10

We will pay you 100% of the rider sum insured covered if the person insured su�ers 1 of the 36 critical illnesses; and

*for angioplasty & other invasive treatment for coronary artery treatment we will pay 10% of sum insured under this rider cover subject to S$25,000 maximum sum insured.

Total & permanent disability

De�nition of Total & Permanent Disability rider

For a person insured under age 75 who is working for remuneration when they �rst su�er an illness or injury:

Means the person insured has su�ered an illness or injury which has caused them to be unable to work for at least six months in a row, and to be totally and permanently unable to engage for pro�t or reward in: ● the occupation they were engaged in when the illness or injury �rst happened, and ● any other occupation.

For a person insured under age 75 who is not working for remunerationwhen they �rst su�er an illness or injury:

Means the person insured has su�ered an illness or injury that requiresphysical assistance of another person for at least six months in a row, and they are totally and permanently unable to perform at least 2 of theactivities of daily living without someone’s assistance.

For any person insured up to age 75:

Means the person insured has su�ered the total and irrecoverable loss of: ● the sight of both eyes, or ● the sight of one eye and the loss of use of one limb at above the ankle or wrist, or ● the loss of: ● both hands at or above the wrists, ● both feet at or above the ankles, or ● one hand at or above the wrist and one foot at or above the ankle.

Activities of daily living

The following activities.

● Washing - the ability to wash in the bath or shower (including gettinginto and out of the bath or shower) or wash satisfactorily by othermeans;

● Dressing - the ability to put on, take o�, secure and unfasten allgarments and, as appropriate, any braces, arti�cial limbs or othersurgical appliances;

● Transferring - the ability to move from a bed to an upright chair orwheelchair and vice versa;

● Mobility - the ability to move indoors from room to room on levelsurfaces;

● Toileting - the ability to use the lavatory or otherwise manage boweland bladder functions so as to maintain a satisfactory level of personalhygiene;

● Feeding - the ability to feed oneself once food has been prepared andmade available.

Important to know

11

We will not pay any bene�t under this rider if the claim arises:

● from suicide, attempted suicide or an intentional self-in�icted act; and

● within one year of the start of your rider cover, or the date we last reinstate(restart) your rider.

This applies regardless of the mental state of the person insured.If this happens, the policy will be cancelled.

We will not pay any bene�t under this rider if the claim arises because you or the person insured deliberately participated in an unlawful act, or failed to act in accordance with the law.

Note: Age refers to age at the last birthday

If you change your mindIf you aren’t completely satis�ed with your policy, and you haven’t made a claim under it, you have 14 days from the date you receive your policy to cancel it and receive your premiums back, less medical expenses (if any).

When we won’t pay any bene�tsAt FWD, we do not believe in setting a long list of hidden clauses that prevent us from giving you what is due in the event of a claim. So we’ve simpli�ed our exclusion list to just 2 criteria:

Eligibility to participate is pretty simple

Suicide or self-in�icted act

Unlawful acts

Person insured

You or your spouse or youremployee

Your child

Age when you can apply for cover When cover ends (whichever is earlier)

Important to know

12

Cover ends at age 100 or an age where we cannot o�er another full 10 year term before the person insured reaches age 100 or up to chosen policy term.

Must be between 18 and 65 years old.

Must be 1 month old when they �rstapply for cover.

1

2

3

5

6

If you cease payment of your premiums, yourpolicy will end after a 60-day grace period.

For further information on fees, charges and otherproduct details, please refer to the Product Summaryand Policy Illustration issued by your �nancial adviserrepresentative.

4

For more information, don’t hesitate to contact us.

This brochure does not form a contract between you and FWD Singapore Pte. Ltd. The full terms and conditions are stated in the policy contract.

FWD Future First is not a savings or investment product. You will not receive any money from thispolicy other than from the death or terminal illness bene�t of the base plan. You also would not receiveany money for critical illness or total & permanent disability if these riders are not attached.

You or the person insured should not provide an inaccurate, misleading, or exaggerated information.We won’t pay any bene�t if the signs or symptoms leading to diagnosis and claim, became apparent to the person insured:

before the rider issue date; or before the rider restart date (if the rider cover

was restarted).

The above applies even if the signs or symptoms were not apparent to the person insured, if they would have been apparent to a reasonable person in the same position.

Important notes

●

●

13

Important to know

Under this plan, no bene�ts are paid upon terminationor at maturity, so you should ensure that you are satis�ed that the policy meets your needs and the premiums are a�ordable to you.

Established in 2013, FWD is the insurance business arm of investment group, Paci�c Century Group. FWD today spans across 9 markets in Asia and is one of the fastest growing insurers in this region.

FWD is focused on creating fresh customer experiences, with easy-to-understand and relevant products, supported by digital technology.

Through this customer-led approach, FWD aims to become a leading pan-Asian insurer that changes the way people feel about insurance.

For more information, speak to your Financial Adviser Representative.

This brochure contains only general information and does not have regard to the speci�c investment objectives, �nancial situation and the particular needs of any speci�c person. It does not constitute an o�er to buy or sell an insurance product or service. Please refer to the exact terms and conditions, speci�c details and exclusions applicable to FWD Future First in the policy documents that can be obtained from our authorised product distributor. As buying a life insurance policy is a long term commitment, an early termination of the policy usually involves high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less bene�ts at the same costs.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation(SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of bene�ts that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites(www.lia.org.sg or www.sdic.org.sg). Information is correct as of 26 March 2020. This material is issued by FWD (Singapore) Pte. Ltd.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

T : +65 6820 8888

FWD Singapore Pte. Ltd. Company Registration No. 200501737H6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986

Celebrate livingfwd.com.sg

About FWD