Universal life plan
FWD Embracing Changes 2.0
A safe and flexible financial plan combining protection and investments with guaranteed interest rates
FWD Embracing Changes 2.0 is our universal life plan that combines insurance with investments. It offers guaranteed interest rates and the flexibility of cash withdrawals. With just a few clicks, you can withdraw money anytime, anywhere – 24/7.
Cover should you have late-stage cancer
We cover late-stage cancer up to 80 years old with 10 times the annual premium paid (up to 30% of the sum assured).
Additional disability income support
The plan has built-in total and permanent disability benefit and if this happens, we’ll pay an additional 50% of the sum assured.
Guaranteed interest rates
Throughout the policy term, gain interest from the universal life fund which will never be lower than guaranteed interest rates - under any circumstances.
24/7 e-withdrawal
Get flexibility and control with 24/7 e-withdrawals.
24/7 E-withdrawal - first time in the market
This gives you flexibility and control over all financial needs. With just a few simple steps on your phone, you can withdraw money from your insurance policy anytime, anywhere.
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Get to know this plan
Want to maximise protection for your family?
Attaching the right add-ons to your basic plan will go a long way to maximise the cover for you and your loved ones. Interested in designing a bespoke solution to suit your needs? Check out our suggest below.
The not-so-small print
Before you commit to any plan, it’s important you know what you’re buying and understand the details. So click below to view our jargon-free, easy-to-read terms and conditions – and ensure you have a quick browse of the brochure too. If you have any questions, simply get in touch.
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