Universal life plan
FWD Embracing Changes 3.0
A flexible financial plan combining solid protection and safe investments with guaranteed interest rates
We understand that in everyone's life there are many meaningful and memorable first milestones: having first job, starting a new journey at new place, buying the first house, getting married, having your first child, and many other beautiful firsts.
Those firsts always bring joy and excitement together with challenges and require a lot of courage. So we designed FWD Embracing Changes 3.0 to accompany you to embrace those challenges with a solution that combines solid protection against health risks and safe investment.
Let us become your solid foundation, your courageous impetus, and your trusted companion on the way to conquering life's memorable milestones.
available-to-buy
- FWD agents
- Agribank
- HDBank
- Nam A Bank
- Vietcombank
Meaningful living benefit against late-stage cancer up to 80 years old
We cover late-stage cancer up to 80 years old with 10 times the annual premium paid up to 30% of the sum assured.
Financial support upon total and permanent disability
We support treatment expenses and help to maintain your family living standard with financial support up to 200% of the sum assured.
Flexibly adjust protection plan according to your priority needs to focus on protection, investment, or balance both
With proactively planning, you have the flexibility not only to design your plan based on your current priority need and financial situation, but also to adjust it later on once your need changes, ensuring your plan always meets up to your and your loved ones' goals.
Safe and stable investment interest from Universal Life Fund
Throughout the policy term, your policy account will earn interest according to actual performance of our Universal Life Fund and this will not be lower than our guaranteed interest rates.
24/7 e-withdrawals
Get flexibility and control over all financial needs, with just a few simple steps on your phone, without any charges, you can withdraw money from your insurance policy anytime, anywhere.
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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