FWD Financial Fortune

10 times your annual premium

(Up to 30% of the sum assured)

Condition:

The benefits for Late-stage cancer will only be paid once within the policy period. The maximum total amount payable for this benefit for an insured person, across all valid insurance policy of ULP product with FWD, is 2 billion VND.

FWD will pay Late-stage cancer benefit if:

• Cancer is not a pre-existing condition; and
• The insured person is still alive at the time of cancer diagnosis by a Doctor; and
• Symptoms and signs related to cancer and diagnosis must occur 90 days after the Effective Date of the contract or from the latest Reinstated Date (for contracts with Reinstated feature) or the date when the new Sum Assure becomes effective (applicable only for increase coverage).

For details, please refer to Section 8.1.1 – Product terms & condition

[Higher amount between Target premium account value and Sum assured] + Excess premium account value

The policy will be terminated upon payout of TPD benefit or Death benefit.

Condition:

FWD only pays TPD benefits if it is not a pre-existing condition.

For more details, please refer to Section 8.1.2 - Product Terms & Condition

• Total and Permanent disability insured event occurs within 18-60 years old: 100% Sum assured.
• Total and Permanent disability insured event occurs out of 18-60 years old: 50% Sum assured.

Condition:

This benefit will be paid when FWD accept the payment of TPD benefit as stated in Section 8.1.2.

For more details, please refer to Section 8.1.3 - Product Terms & Condition

Since inception, the Policy account will earn interest according to actual performance of our Universal Life Fund and this will not be lower than our guaranteed interested rates.

Please refer to the product terms & conditions for more details on our guaranteed interest rates.

Every 3 years, from Year 3 to Year 18, we will give you a regular loyalty bonus:

Regular loyalty bonus = Bonus rate (%) x The accumulated interest from your Target premium account value during the review period

Bonus reviewing period: each 3 years, from Year 1 to Year 18.

Condition:

During each reviewing period, the following condition must be met:

• Policy remains in-force;
• Target Premium is paid fully every policy year; and
• No withdrawal made from the Target Premium account during the review period.

For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition

At Policy year 10, customer will receive a special loyalty bonus equal to 100% annualized target premium at inception.

Condition:

During each reviewing period, the following condition must be met:

• Policy remains in- force;
• Target Premium is paid fully every policy year; and
• No withdrawal made from the Target Premium account during the review period.

For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition

Customer will receive Policy account value at Policy maturity date.

You will receive a meaningful gift which is equal to 20% Sum assured (but not exceed 500 million Dong) at the Policy maturity date.

Condition:

The Well-being benefit will be paid when the Policy maturity benefit paid

For more details, please refer to Section 8.3.1

During the first 3 policy years, provided that all Target premiums of basic plan have been paid fully in due (including the case that EPA is used to pay for Target premium) and no partial withdrawal from TPA, the basic plan is guaranteed to remain in-force even in case of Target Premium Account is insufficient to cover monthly Cost of insurance and Admin charge.

Condition:

The Non-lapse guarantee benefit is applied if the following conditions are met within the first 3 policy years:

• All Target premiums of basic plan have been paid fully in due and; no partial withdrawal from Target Premium Account

You can request to increase the sum assured at the following key milestones without any health exams:

• Getting married; or
• Having a baby or adopted children; or
• Your child(ren) starting primary, secondary, high school or university