FWD Term Life Plus Insurance: Policy Contract

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FWD Term Life Plus insurance

Policy contract
This is your contract for your insurance policy.

Read it to understand all the benefits as well as the important terms and conditions
that apply to your insurance cover. Don’t worry, we’ve made it as easy to read as possible.
If you need help, call our hotline: +65 6820 8888

Quick reference
About your policy 1 Making a claim 10

Your FWD Term Life Plus insurance policy 1 How to notify us of a claim 10
Policy information statement 1 Filling-in your claim form 10
When we will not pay any benefit 10
Quick summary of your benefits 4 We check the age and gender before paying 11
Your benefits at a glance 4 Costs of preparing claims 11
Who do we pay your claim to? 11
What you’re covered for 5 Your premiums 12

Summary of your policy benefits 5 Paying your premium 12
12
What happens if you don’t pay on time
Starting, changing or ending your policy 7 Keeping it legal 13

When your policy starts 7 Governing law 13
Changes to your policy 7 We rely on your information 13
Cancelling your policy 7 Disputing payments 14
When your policy ends 8 Anti-money laundering, anti-terrorism 14
Coverage renewal option 8 financing and proceeds of unlawful activities
Reinstatement 8 Policy owners’ protection scheme 14
Third party’s rights 14
The main people under your policy 9
Person insured 9 Important words and phrases 15
Policy owner 9
Nominees 9
Assignment of benefits 9
FWD Term Life Plus insurance policy contract v1.0

About your policy
Thank you for choosing FWD Singapore Pte. Ltd. We’re pleased to protect you so that you
can focus on living life to the fullest.
Your FWD Term Life Plus policy

We highlight important information like this. Read
This is a non-participating term life insurance plan offered by these carefully.
FWD Singapore Pte. Ltd (“FWD”).
Words with special meaning

‘Non-participating’ means the person insured
Some words in this policy contract have special meaning. We
does not participate in the insurance company’s
show those meanings on page 15 (important words and
business. This means that you will not receive any
phrases). Please refer to this section when you need to.
bonuses or dividends which we may declare.
This is not a savings or investment product Age Policy issue date

Your FWD Term Life Plus policy is not a savings or investment Application form Premium
product. We will not pay any money under this policy other Coverage start date Policy illustration
than from the death benefit, terminal illness benefit and/or Coverage end date Policy schedule
spouse benefit. Endorsement Terminal illness or Terminally ill
Medical practitioner We, our, FWD, us
Your FWD Term Life Plus policy is an insurance contract
between you and us. Your policy pack is made up of the Period of insurance You, your, yourself,
documents listed below. Policy person insured
■ This policy contract,

■ The policy schedule,
■ Your application form and any documents you provided Policy information statement
with it, and
Paying your premium
■ Any endorsement to your policy, if applicable.
In return for paying your premiums, we provide the cover you
By reading your policy contract carefully, you’ll know exactly have chosen. For details about how to pay your premiums,
what you’re covered for, and how to make a claim. and what happens if you don’t pay, see page 12 (your
premiums).
A policy endorsement is the document we provide
You can pay your premiums to us through any of the following
that records any official change to your policy.
methods:
■ Auto-debit from a credit card, or
■ Other modes of payments as updated on our website from
Easy to read
time to time.
We’re here to change the way you feel about insurance –

starting with this document. We’ve made it easy to read, so
you can understand your benefits and what you’re covered
for.
FWD Term Life Plus insurance policy contract v1.0 1

About your policy
Choosing who receives the benefits Coverage renewal option

Death benefit The coverage renewal option is available on the renewable
This benefit will be paid to your nominee in a lump sum plan, where the period of insurance stated in the policy
equivalent to 100% of the sum insured for the death benefit, schedule is “one year”. If this policy (including any add-on
as stated in the policy schedule. rider plans) is valid at the end of the period of insurance, we
will automatically renew this policy by one more year.
If you die, one of the following people can request for us to
pay them an advance payment of S$5,000 from the death You can choose not to renew by writing to us 30 days before
benefit to cover your funeral expenses: the end of the period of insurance. See page 8 (coverage
renewal option) for more details.
■ The nominee under the base plan with written consent of
any other nominees.
■ If there is no nominee, the legal spouse or an immediate Nomination
family member along with satisfactory proof of You can choose one or more nominees to receive the death
relationship. benefit. See page 9 (the main people under your policy) for
more details on your different choices.
We will only make the advance payment of S$5,000 when we
receive the death certificate. The remainder of the sum Exclusions and conditions
insured under the death benefit will be paid after we have This policy has certain exclusions, meaning situations where
assessed the death claim application. we won’t pay a benefit. The specific and general exclusions
and/or conditions are set out throughout this policy contract.
Terminal illness benefit
This benefit will be paid to you in a lump sum equivalent to Surrender values
100% of the sum insured for the death benefit, as stated in the If you surrender (cancel) your policy, you:
policy schedule.
■ will lose the coverage under this policy; and
■ will not receive any amount in return.
Spouse benefit
In addition, any changes to your health or circumstances in
If we pay the death benefit or terminal illness benefit under the future may make it more difficult or costly for you to get
this policy, your legal spouse can ask us to issue him/her a coverage in the future.
new complimentary insurance policy without any
underwriting:
14-day free-look period
■ with a sum insured of 50% of the death benefit under this
If you aren’t completely satisfied with your policy, and you
policy, or S$250,000 (whichever of the two is lower)
haven’t made a claim under it, you have 14 calendar days from
payable if he/she dies or suffers from terminal illness; and
the date you receive your policy to cancel it and receive your
■ with a policy term of 1 year.
premiums back, less any fees we have paid and/or expenses
incurred (if any). We consider this policy delivered from the
The legal spouse must be aged 55 years old or under at the time we email it to you.
time of his/her complimentary policy issuance. The
complimentary insurance policy issued to your legal spouse What you need to do
cannot be renewed or extended beyond the first 1 year. You must write to us to cancel this policy. We must
receive your notice within the 14-day free-look period.
We will deduct any monies you owe us on your policy before
we pay any claim.
What we will do
After receiving your notice, we will refund you any
When insurance cover begins
premiums paid after deducting any fees we have paid
This policy starts on the coverage start date as shown in the and/or expenses incurred (if any). Thereafter, we will
policy schedule or on the date we receive the first premium, cancel your policy, and you will not be able to claim any
whichever is later. benefits under it.
You cannot cancel your policy if you have made a claim

under your policy, during the 14-day free-look period.
2 FWD Term Life Plus insurance policy contract v1.0

About your policy
Tell us about any changes

You should tell us about any important changes to your personal details (address or contact number) or if you want to change
who will receive the death benefit.
How to contact us if you have any questions or to make a claim

Call our hotline at +65 6820 8888 (9am to 10pm – Monday to Friday, 9am to 1pm – Saturday (excluding public holidays)) if you
have any questions about your policy, or if you need to make a claim. See page 10 (how to notify us of a claim) for more details on
making a claim.
How to resolve a concern or complaint

We want to resolve any concerns or complaints you may have as quickly as possible. You should follow the steps below to resolve
your concerns.
The first thing you should do is talk to one of our consultants about your concerns or complaints.
Step 1
Call our hotline at +65 6820 8888 (9am to 10pm – Monday to Friday, 9am to 1pm – Saturday
(excluding public holidays)). The consultant may be able to resolve your concerns or complaints. If
Talk to us not, they may refer you to a manager.
The consultant will try to resolve your complaints or concerns as soon as possible.
If you feel that your complaint has not been resolved, you can write to:
Step 2
FWD Singapore Pte. Ltd.
Call or write to 6 Temasek Boulevard,
our Customer #18-01 Suntec Tower Four,
Engagement Singapore 038986
Tel: +65 6820 8888
Department
Email: [email protected]
Website: www.fwd.com.sg
We will respond to your complaint within 3 working days of us receiving it.
Step 3 If we cannot arrive at a mutual agreement, you may approach the FIDReC, a free, independent and
fair dispute resolution centre for resolution of disputes between financial institutions and consumers.
You can lodge your concerns or complaints by post, online, or in-person. The FIDReC’s details are:
Seek an external
review from Financial Industry Disputes Resolution Centre
the Financial 36 Robinson Road,
Industry Dispute #15-01 City House,
Resolution Centre Singapore 068877
(FIDReC) Tel: +65 6327 8878
Email: info@ﬁdrec.com.sg
Website: www.ﬁdrec.com.sg
You need to remember to quote your policy number in any communication with us or with FIDReC.

Quick summary of your benefits
This section describes the main benefits of your policy. It is a guide to your policy coverage.
To understand the full details about what we pay and how we pay it, you should go to page
5 (what you’re covered for).
Your benefits at a glance
Start End
Policy starts Claim event Policy ends
Terminal illness Death

benefit or benefit
100% of sum insured 100% of sum insured
Spouse
benefit

What you’re covered for
In this section, we explain what benefits you are covered for, and any specific exclusions or
conditions that apply to those benefits. General exclusions may also apply.
Summary of your policy benefits Terminal illness benefit

If you suffer a terminal illness while this policy is in force, we
You can claim the following benefits while the will pay the terminal illness benefit equivalent to 100% of the
policy is active. death benefit sum insured, as stated in the policy schedule.
The policy will end after this benefit is paid.
Death benefit
If you die while this policy is in force, we will pay the death We will deduct any claims already paid under the ‘Total and
benefit equivalent to 100% of the death benefit sum insured, Permanent Disability’ and/or ‘Critical Illness’ add-on rider
as stated in the policy schedule. plans taken along with this base plan (if applicable), and any
monies you owe us on your policy before we pay the terminal
illness benefit. The policy will end after this benefit is paid.
We will deduct any claims already paid under the ‘Total and
Permanent Disability’ and/or ‘Critical Illness’ add-on rider
plans taken along with this base plan (if applicable), and any We will deduct any monies you owe us on your policy before
monies you owe us on your policy before we pay the death we pay any claim.
benefit.
When we won’t pay

If you die, one of the following people can request for us to
pay them an advance payment of S$5,000 from the death We won’t pay the terminal illness benefit if any of the
benefit to cover your funeral expenses: following happens.
■ The nominee under the base plan with written consent of ■ Your policy has ended. See page 8 (when your policy
any other nominees.
ends).
■ If there is no nominee, the legal spouse or an immediate
■ We have already paid the death benefit.
family member along with satisfactory proof of
relationship.
■ An exclusion applies. See page 10 (when we will not
pay any benefit).
■ Please note that in recognition of medical advances,
We will only make the advance payment of S$5,000 when we we do not consider AIDS to be a terminal illness.
receive the death certificate. The remainder of the sum
insured under the death benefit will be paid after we have
assessed the death claim application. See page 16 for the meaning of ‘terminal illness’.
The policy will end after this benefit is paid. We will deduct
any monies you owe us on your policy before we pay any
claim.
When we won’t pay

We won’t pay the death benefit if any of the following
happens.
■ Your policy has ended. See page 8 (when your policy
ends).
■ We have already paid the terminal illness benefit.
■ An exclusion applies. See page 10 (when we will not
pay any benefit).

What you’re covered for
Spouse benefit
If we pay the death benefit or terminal illness benefit under
this policy, your legal spouse can ask us to issue him/her a
new complimentary insurance policy without any
underwriting:
■ with a sum insured of 50% of the death benefit under this
policy, or S$250,000 (whichever of the two is lower)
payable if he/she dies or suffers from terminal illness; and
■ with a policy term of 1 year.
The legal spouse must be aged 55 years old or under at the

time of his/her complimentary policy issuance. The
complimentary insurance policy issued to your legal spouse
cannot be renewed or extended beyond the first 1 year.
What you need to do

■ Contact us.
■ Fill up the required form and pass it to us.
When we won’t offer the new policy

■ We won’t offer your legal spouse the new policy
unless the death or terminal illness benefit has been
paid.

Starting, changing or ending your
policy
This section explains when your policy starts and ends, and how to make changes to your
policy. We also outline when you can reinstate your policy after it has ended.
When your policy starts Changing your premium payment method or

frequency
Your cover starts on the coverage start date shown in your You can change:
policy schedule or the date we receive the first premium, ■ how often you pay your premiums (your premium payment
whichever is later.
frequency); or
■ the method of paying your premiums, by telling us in
You are not covered before the coverage start writing.
date.
What you need to do

Your policy anniversary
When we refer to a policy anniversary, we mean the same
■ Contact us.
date and month as the coverage start date, in the next year ■ Fill up the required form and pass it to us.
(i.e. counted 12 months from the coverage start date).
Changes to your policy What we will do

■ Review your request.
You can ask us to make the following changes to your
■ Make the change, and tell you in writing, along with
policy, and we will make the changes by providing
the date the change will take effect from.
an official written change confirmation (called an
endorsement).
Changing your nominees
We are not bound by any change until we have issued such You may nominate one or more persons to receive the
written confirmation. death benefit under your policy. See page 9 (the main
people under your policy) for more details on your different
Changing your address, contact details or who will choices.
receive the death benefit
You can change your address, contact details, or who you
have chosen to receive the death benefit.
Cancelling your policy
It is important that you tell us immediately about any of You can cancel (terminate) your policy at any time. If you
these changes, so that you keep enjoying the benefits of choose to cancel your policy early and you have paid your
your policy cover. premiums, your policy will continue to provide coverage up to
the next date in which your premium is due. Your cover will
What you need to do end on the day before the next due date for the premium
■ Contact us. payment.
After you inform us to cancel your policy, we will not charge
you any further for the premiums due.
What we will do
■ Review your request. What you need to do
■ Make the change, and tell you in writing, along with ■ Contact us.
the date the change will take effect from.
What we will do
■ Review your request and cancel your policy.
■ We will write to you to confirm the cancellation.

Starting, changing or ending your policy
This coverage renewal option is available every year until

You can download the relevant form from our
you are 100 years old and as long as this policy remains
website www.fwd.com.sg or call our
valid. Please note that the ‘Total and Permanent Disability’
hotline at +65 6820 8888 for assistance.
add-on rider plan (if applicable) will end on your 65th
birthday, even if you renew this policy beyond the age 65.
If you tell us to cancel your policy within the 14 You can choose not to renew this policy by writing to us 30
calendar day free-look period, we’ll give you a full days before the end of the period of insurance.
refund (less any fees and expenses) – see page
2 (14-day free-look period) for more details. Reinstatement
If your policy (including any add-on rider plans) ends because
No reinstatement after cancelling of non-payment of policy premiums, you can reinstate it
You will not be able to reinstate (restart) your policy after within three years of it ending if we agree. You cannot
you cancel it. reinstate your policy for any other reason (for example, if you
had ended the policy cover).
When your policy ends
We only cover events that happen after the reinstatement
Your policy (including any add-on rider plans) will end on
date.
the earliest of the following dates:
■ When the total benefit amount we have paid under this
policy (including any add-on rider plans) equals to the We may refuse your reinstatement application or adjust the
death benefit sum insured; terms of this policy. If we approve your application, this policy
will be reinstated on the date we confirm in writing (the
■ This policy has reached the coverage end date;
“Reinstatement Date”). If this policy is reinstated, we will only
■ We do not receive the premium within the 62-day grace
insure events that take place after the reinstatement date.
period;
■ When we receive your notice in writing to terminate your
What you need to do
policy; or
■ Contact us within three years from the date of
■ Any other event that leads to a termination, as stated in
termination.
this policy, such as providing inaccurate information,
submitting a fraudulent claim, or if we are required to do
■ Complete a service request form and pass it to us.
so under the laws or regulations of Singapore. You need to select the reinstatement service option.
■ Pay us all unpaid premiums and interest due (at a rate
If you choose to terminate your policy early and you have to be determined by us) and the administrative fees,
paid your premiums, your policy will continue to provide if any.
coverage up to the day before the next due date for the ■ Confirm that the health of the person to be insured
premium payment. still qualifies for cover (by answering the questions in
the service request form).
Coverage renewal option
The coverage renewal option is available on the renewable What we will do
plan, where the period of insurance stated in the policy ■ We will review your request, and if we are satisfied
schedule is “one year”. If this policy (including any add-on that you have met our requirements, we will reinstate
rider plans) is valid at the end of the period of insurance, we (restart) your policy on the same or adjusted terms.
will automatically renew this policy by one more year. Otherwise, we will not reinstate your policy.
■ If we reinstate your policy, your cover will be
The premium we charge you for the next year will be the reinstated from the date we tell you.
same as the premium that we charge people who have the
same age, gender, occupation, sum insured, and smoking
status as yourself on the day this policy is renewed. We will
not take into account any changes in your health, but any Important note
conditions we made when we first issued this policy (such You will not be covered for any event that
as charging higher premiums because of a health condition takes place before your policy is reinstated.
you had) will continue to apply to your policy.

The main people under your policy
This section explains who the main people under your policy are, what rights they have, and
how they are treated.
Person insured Nominees

This is the person insured under your policy. A person Nomination of beneficiaries
insured (other than the policy owner) cannot make changes If you (policy owner) are also the person insured under this
to your policy. policy, you can choose to nominate another person (or
people) to receive the death benefit under this policy, and you
can decide how much of the death benefit each nominee will
Policy owner
receive.
The policy owner (or policyholder) owns the policy. Details
of the policy owner are shown in the policy schedule or any Trust or revocable nomination
endorsement. The policy owner is the only person who may
You have a choice of either a trust nomination or a revocable
make changes to or enforce any rights under this policy.
nomination under the Insurance Act. Depending on your
choice, the nominees may have certain rights under the
Under FWD Term Life Plus policy contract, you are the policy.
policy owner and person insured, unless there were
changes made to your policy through an assignment of
benefits. See page 9 (assignment of benefits). For a trust nomination, you will lose all rights to the ownership
of the policy. You can only revoke a trust nomination if all
You may choose a person to receive the benefits payable nominees consent to the change.
upon death under this policy.
For a revocable nomination, you are free to change, add or
Age requirements for policy owner and person remove nominees at any time without their consent.
insured
Age requirements apply for the policy owner and person To make a trust or revocable nomination under this policy, you
insured, which are shown in the following table. will have to complete the required form and pass it to us.
Policy owner / Person insured You should regularly check if your nominees are still
appropriate.
Minimum age when Must be at least 18 years
you can apply old. Changing your nominees
Only you (the policy owner) can change the nominees.
Maximum age when Must be younger than 60 However, depending on the type of nomination you have
you can apply years old. selected, the nominees may need to consent to the change.
Assignment of benefits
You can transfer the benefits under your policy to someone
else through an assignment. For us to record this assignment
of benefits, you need to provide us the completed required
form and necessary documents. We will not be responsible
for checking the validity of the assignment.

Making a claim
Need to make a claim? Read this section to find out what you need to do.
How to notify us of a claim We’re here for you

We understand that dealing with the diagnosis of a terminal
You can notify us of a claim online by visiting our website or illness or death of a loved one is difficult – you can always call
by contacting our hotline at +65 6820 8888 (9am to 10pm us at our hotline at +65 6820 8888 (9am to 10pm – Monday to
– Monday to Friday, 9am to 1pm – Saturday (excluding public Friday, 9am to 1pm – Saturday (excluding public holidays)) for
holidays)) and we’ll be pleased to assist you. help with the claim process.
Tell us as soon as possible

Filling-in your claim form
We should be informed as soon as possible if a claim is to be
made under this policy. We will provide the relevant claim forms that need to be filled
in to make a claim. Claims must be made on forms provided
To make sure we are able to assess claims quickly, we ask that by us together with the supporting documents and any other
you or the nominee(s) let us know that a claim will be made information and documents that we ask for. We will not be
under the policy and by whom. Claim forms do not have to be able to process a claim until we receive all documents,
sent at this time. information, and the completed claim form.
Every effort should be made for claim forms and supporting

documents to be sent to us within 6 months from the terminal
illness diagnosis date or death being claimed for.
When we will not pay any benefit

This policy has certain exclusions, meaning situations where we won’t pay a benefit under your policy. We list below the
exclusions that apply to all benefits under your policy.
We may also apply specific exclusions to your policy when we offer to issue your policy. If any specific exclusion applies to
certain benefits, we will record the details in a policy endorsement.
Suicide or self-inflicted act We will not pay any benefit under this policy if the claim arises, from suicide, attempted
suicide or an intentional self-inflicted act, within two years from the start of your policy
cover, the last reinstatement date (if your policy has been reinstated or the date that we
approve an increase in the sum insured (in respect of that increase).
This applies regardless of the mental state of the person insured.

If this happens, we will refund the premiums we received for this policy and the policy will
be cancelled.
Unlawful acts We will not pay any benefit under this policy 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.

Making a claim
We check the age and gender before paying

We will not pay any benefits under your policy until we have checked that the age and gender of the person insured matches the
information we have been given by you.
Costs of preparing claims

You or your legal personal representative are legally responsible for all costs incurred including travel, accommodation and other
costs in providing us the necessary documents we request in order to assess your claim, except for the cost of any additional
medical examinations we require you to have as requested by our appointed medical practitioner. The opinion and diagnosis of
this medical practitioner is binding on you and us.
We will deduct any monies you owe us on your policy before we pay any claim.
Who do we pay your claim to?

We pay the terminal illness benefit to you.
We pay the death benefit to the nominees.

Your premiums
This section explains your premiums and what happens when you miss paying a premium.
Paying your premium Payment method options

You can pay using any of the following options.
It is important to pay your premiums on time, so your policy
stays active and the person insured continues to be covered. ■ Auto-debit from a credit card, or
Below we outline how you can pay your premiums and what ■ Other modes of payments as updated on our website from
happens if you don’t pay on time. time to time.
Amount Premium rates are guaranteed

Your policy schedule shows the amount you need to pay for The premium rates stated in your policy schedule are
your policy. To enjoy the benefits provided by this policy, guaranteed for your base plan for the stated period of
please pay each premium before it is due. insurance. This means we will not change the premium rates
during the policy term.
Any amount due to us under this policy will be deducted from
any benefit that becomes payable within the grace period.
Premium rates upon renewal of the policy are not
guaranteed
Payment frequency options
If you have chosen the coverage renewal option under this
You have the following payment frequency options. policy then the premium rates stated in your policy illustration
■ Annually in one lump sum. for future renewals are not guaranteed. This means that we
■ Semi-annually in two instalments. may change the premium rates by giving you at least 30 days’
notice in writing.
■ Quarterly in four instalments.
■ By monthly instalments.
You can change your chosen method any time. See page 7
(changing your premium payment method or frequency) for
how.
What happens if you don’t pay on time

Your premiums are due on the due date. We give you a 62-day grace period after the due date to pay your premium. Your policy
will continue if you pay your overdue premium within this 62-day grace period. If we do not receive your premium within this
period, we will cancel your policy.
First premium Your first premium is due on the coverage start date.
Annual, semi-annual, quarterly Due at the frequency you choose. You need to keep paying your premiums until the
or monthly premiums coverage end date as shown in the policy schedule.
If you miss your premium We give you a 62-day grace period after the due date to pay your premium.
payment Your policy ends from the date the premium was due if we do not receive your premium
within this period.
If your policy ends because you missed a premium payment, you can apply to reinstate it. See page 8 (reinstatement).

Keeping it legal
In this section, we explain the important legal rights and obligations under your policy.
Governing law You need to provide correct and complete information

You and the person insured are responsible for:
Your policy is an insurance contract between you and us and
is governed by the laws of the Republic of Singapore. If there ■ Letting us have the correct and complete information.
is any dispute or disagreement relating to this policy, we and ■ Being careful when answering our questions, or when you
you agree to submit to the exclusive jurisdiction of the or the person insured confirm or amend any information
Singapore courts. you have given to us.
Changes to your policy to comply with the law If you don’t, we may not pay your claim, and your benefits
under your policy may be affected. In some cases, we may
We have the power to make any changes to your policy
cancel the policy. See page 14 (disputing payments) for more
required to comply with any law (not just Singapore laws). If
details.
we need to make a change, we will write to you 30 days in
advance.
If we were given the wrong age and gender
We rely on your information If we discover that we were given the wrong age or gender,
we may adjust the amount of the benefit or premiums to
Read all parts of your policy to make sure they are reflect what the benefit or premiums should have been if we
correct were provided with the correct age or gender in the first
place.
This policy is issued based on the information you gave us
during the application process. It is important that the
information is correct, and you were truthful and accurate If we would not have issued this policy if we had known the
with all of the information you provided. This information correct age, gender or any other details, we can declare your
helped us to decide if you were eligible for the policy, and policy void. If we do, we will cancel your policy and treat it as
how much you need to pay. never having existed. We will refund any premiums paid
without interest, after deducting any benefits we have paid.
The law as per Section 25(5) of the Insurance Act requires that
we inform you of your duty to fully and faithfully tell us
everything you know or could reasonably be expected to If you need to change your information, or if you
know that is relevant to our decision to insure you. Otherwise, have any questions, please call our hotline
we have the right to either decline your claims or terminate at +65 6820 8888 (9am to 10pm – Monday to
this policy and treat it as never having existed. In the event Friday, 9am to 1pm – Saturday (excluding public
that we decide to maintain your cover, we may charge an holidays)).
additional premium.
You should let us know immediately if the information you

gave us during the application, was inaccurate, misleading, or
exaggerated. You should also let us know immediately if the
information you have given us changes after your policy is
active.
Change in residential address:

You must inform us within 60 days if you change
your residential address.

Keeping it legal
Disputing payments Anti-money laundering, anti-terrorism

financing and proceeds of unlawful activities
We can declare your policy void if you or the person insured:
We may need to freeze or seize any monies received or
■ made an inaccurate or untrue statement on a material payable under your policy:
matter; or ■ at the order of the relevant authorities; or
■ suppressed or omitted a material fact, within your ■ if we discover, or if we have reasonable suspicion that you
application. are sanctioned under any competent authorities
recognised by us, for money laundering activities or
How we define material matters and facts activities relating to financing terrorism.
A material matter or material fact is one that would have
caused us to: If this happens, we will end your policy and the cover under it
■ refuse to issue the policy to you; or immediately. We will deal with all premiums paid and all
amounts payable under your policy in any manner we deem
■ offer you a policy on different terms, if you or the person
fit, which may include handing it over to the relevant
insured had told us about it.
authorities.
Unless there is fraud, we will not declare your policy void 2

years after the policy issue date or the reinstatement date Policy owners’ protection scheme
(the date you restart your policy), whichever is later.
This policy is protected under the Policy Owners’ Protection
Scheme, which is administered by the Singapore Deposit
However, we may not pay a claim if you or the person Insurance Corporation (SDIC). Coverage for your policy is
insured: automatic and no further action is needed from you. For more
■ did not provide accurate and truthful information; information on the types of benefits that are covered under
the scheme as well as the limits of coverage, where
■ gave us misleading or exaggerated information; or
applicable, please contact us or visit the Life Insurance
■ made any false statements, at the time of purchase or Association or SDIC websites (www.lia.org.sg) or (www.sdic.
reinstatement of this policy. org.sg).
What we will do Third party’s rights

■ If we dispute your policy, we will review your policy Unless it is clearly stated in this policy contract, no one other
and decide if we have any reason to declare it void. If than you (as the policy owner) can enforce or rely on any
we do, we will cancel it and treat it as never having terms in this policy or have any rights under the Contracts
existed. (Rights of Third Parties) Act (Cap. 53B).
■ We will refund the premiums paid without interest,
after deducting any amounts owed. If a benefit has
been paid, we will recover that benefit.

Important words and phrases
The list below explains the meanings of important words and phrases shown in your policy.
Age Refers to age last birthday.
Application form Refers to the information you or the person insured (or both) provided to us when
applying for this policy. Our decision to issue this policy is based on the information in
the application form.
Coverage start date Refers to the date the first premium is due, and the date cover starts under your policy.
This date is shown in your policy schedule.
Coverage end date Refers to the date your policy ends. This date is shown in your policy schedule.
Endorsement Refers to any additional document attached to this policy outlining adjustments to the
standard terms and conditions that we have made as a condition to providing this
policy.
Medical practitioner Refers to a medical examiner or doctor who:
■ has a recognised medical degree in western medicine;

■ is authorised to practise in his country; and
■ has the skill to provide medical services for the illness, disease or condition
concerned; or
■ is in Singapore and is approved by us.
This person must not be you, your spouse, relative or business partner.
Period of insurance Refers to the period of time between the coverage start date and coverage end date
(both inclusive) as shown in your policy schedule.
Policy All of the documents listed below.

■ the application form and any documents you provided with it;
■ this policy contract;
■ the policy schedule; and
■ any endorsement to your policy, if applicable.
This person must not be you, your spouse, relative or business partner.
Policy issue date Refers to the date as shown in the policy schedule.
Premium Refers to the scheduled premium payments for this policy as shown in the policy
schedule or endorsement.
Policy illustration Refers to the document attached to the policy when you bought this policy. It provides a
summary of this product, its benefits, and the premiums that you will need to pay.

Important word and phrases
Policy schedule Refers to the documents attached to this policy that shows important information about
you and this policy: the policy number, your personal details, period of insurance, sum
insured, frequency of premium payment, and premium payable.
Terminal illness or Refers to any medical condition that, in the opinion of a medical practitioner, is
Terminally ill expected to lead to death within the next 12 months.
We, our, FWD, us Refers to FWD Singapore Pte. Ltd., the issuer of this insurance policy.
You, your, yourself, person Refers to the person who is the owner of and insured by this policy as shown in the
insured policy schedule and endorsement.

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FWD Total and Permanent Disability add-on

rider
Policy contract


Quick reference
FWD Total and Permanent Disability add-on 1 What we don’t cover 4

rider What we don’t cover 4
Part of your policy 1
Who’s covered under your rider 1
Words with special meaning 1 Starting, ending, or reinstating your total and 5
permanent disability cover
Your rider benefits 2 When cover starts under your rider 5
Summary of your benefits 2 When your rider cover ends 5
Detailed rider benefits 2 Reinstating your rider 5
Your premiums 3
Amount 3
When you need to pay premiums for your rider 3
Premium rates are guaranteed during the 3
period of insurance
Premium rates upon renewal of the base plan 3
are not guaranteed
What happens if you don’t pay on time? 3
Refund of premiums after we approve a claim 3
FWD Term Life Plus - Total and Permanent Disability add-on rider policy contract v1.0
FWD Total and Permanent
Disability add-on rider
can focus on living life to the fullest. This rider provides additional protection if the person
insured suffers total and permanent disability (“TPD”).
Part of your policy Who’s covered under your rider

This rider becomes part of your FWD Term Life Plus policy Person insured
(“base plan”) if we have agreed to provide it to you. The details
of your total and permanent disability cover will be shown in We will pay the TPD benefit in a lump sum equivalent to 100%
this FWD TPD rider contract attached to your base plan. of the sum insured for the TPD benefit, as stated in the policy
schedule, if you become totally and permanently disabled
The terms and conditions of the base plan apply to this due to an accident or sickness while this rider is in place.
add-on rider plan, unless stated otherwise.
The person insured under this rider has to be the same as the
person insured under your policy. The person insured cannot
receive any benefit under this rider, and cannot make changes
to your rider, unless the person insured is also the policy
owner.

The section below explains the meanings of words and phrases used in this document.
Totally and permanently Means that, before your 65th birthday and due to accident or sickness, you:
disabled or Total and ■ Are disabled to the extent of being completely unable to engage in any
permanent disability
occupation, business or activity for income, remuneration or profit. The disability
must continue uninterrupted for at least six consecutive months from the time
when the disability started and must, in the view of a medical practitioner, be
deemed permanent with no possibility of improvement in the foreseeable future;
or
■ Suffer total and irrecoverable loss of:
» Entire sight in both eyes;

» Use of any two limbs at or above the wrist or ankle; or
» The entire sight in one eye and use of any one limb at or above the wrist or
ankle.
FWD Term Life Plus - Total and Permanent Disability add-on rider policy contract v1.0 1
Your rider benefits
Summary of your benefits At any point in time, the TPD benefit payable will not be more
than the death benefit sum insured or the reduced death
This section describes the main benefits of your rider. To benefit sum insured (if applicable).
understand the full details about what we pay and how we
pay it, you should read the following section (detailed rider
If you have made a claim for other benefits which reduces the
benefits).
death benefit sum insured to be less than the TPD benefit sum
insured, we will cap the amount payable for the TPD benefit
You can claim the following benefit while the at the reduced death benefit sum insured.
rider is in place.
Once we pay the reduced TPD benefit, death benefit or
terminal illness benefit, the rider and the base plan will
The TPD benefit ends on the coverage end date, as stated in terminate automatically.
your policy schedule, or on the policy anniversary of when
you reach age 65, whichever comes first.
What we pay
We will pay you 100% of the TPD benefit sum Total and permanent disability benefit
insured if the person insured suffers total and
If during the time this rider is valid:
permanent disability.
■ You first experience symptoms that may lead to you
becoming totally and permanently disabled; and
Detailed rider benefits ■ a medical practitioner subsequently confirms that you

become totally and permanently disabled,
This is an accelerating rider and it provides the following
protection benefits. You need to pay a separate premium to We will pay you the TPD benefit in a lump sum equivalent to
keep this protection in place. 100% of the sum insured for TPD benefit, as stated in the
policy schedule. The cover for TPD will end when it is paid.
How an accelerating rider works

We will pay the TPD benefit amount shown in your policy
Your base plan provides the amount of cover (“sum insured”) schedule, after taking off any amounts you owe us.
for death and terminal illness, as stated in your policy
schedule. Any claim made under the base plan or the rider will
be paid from such sum insured. We will pay the benefits until
the base plan sum insured is reached. Important Notes
Please note that part of how we define total and
permanent disability is that you must be
Your coverage under accelerating rider
completely unable to carry out any occupation.
If the TPD benefit sum insured equals to the death benefit This benefit is not payable if you are unable to
sum insured under the base plan, both the rider and the base perform the same job duties you had before
plan will terminate automatically after we pay the TPD your disability, or are unable to perform
benefit. a job that fits your training, education, or
experience, but you are able to engage in
other occupations, businesses or activities
If the TPD benefit sum insured is less than the death benefit
for income, remuneration or profit.
sum insured under the base plan, the death benefit sum
insured will be reduced and the rider will terminate
automatically after we pay the TPD benefit. In such instance,
the base plan will continue, and your subsequent premiums
will be reduced proportionately to your new sum insured.
2 FWD Term Life Plus - Total and Permanent Disability add-on rider policy contract v1.0
Your premiums
Your premiums are the amount you pay for protection. It is important to pay your premiums
on time so your rider stays active and the person insured continues to be covered. Below we
outline how you can pay your premiums and what happens if you don’t pay.
Amount Refund of premiums after we approve a claim

Your current policy schedule shows the amount you need to If we accept a claim for the TPD benefit, we will refund
pay for this add-on rider. prorated premiums paid to us after the confirmed diagnosis.
When you need to pay premiums for your Any refunded premium amount will be paid on top of the
rider other amounts due to be paid under your rider.
You need to pay your premiums for this rider at the same time
as you pay your premiums for your base plan (annually, Premiums must be paid until we approve the claim
semi-annually, quarterly, or monthly). All premiums due under the base plan and any riders must be
paid until we approve the claim for the TPD benefit.
You can change your chosen method any time – if you do,
then your premiums for both base plan and rider will be
changed. Please refer to ‘changing your premium payment
method or frequency’ in your base plan contract for how to do
so.
Premium rates are guaranteed during the

period of insurance
The premium rates for TPD benefit, as stated in your policy
schedule, are guaranteed during the period of insurance. This
means we will not change the premium rates during the
period of insurance.
Premium rates upon renewal of the base plan

are not guaranteed
If you have chosen the coverage renewal option under the
base plan then the premium rates stated in your policy
schedule for future renewals are not guaranteed. This means
we may change the premium rates by giving you at least 30
days’ notice in writing.
What happens if you don’t pay on time?

Your rider premiums are due on the due date. We give you a
62-day grace period after the due date to pay. Your rider
coverage will continue if you pay your overdue premium
within this 62-day period. If we do not receive your premium
within this period, we will cancel your rider coverage.
If your rider coverage ends because you missed a premium

payment, you can apply to reinstate (restart) it. See page 5
(reinstating your rider) for more details.
What we don’t cover

This rider has certain exclusions, meaning situations where we won’t pay a benefit. We list below the exclusions that apply to the
benefits under your rider.
We may also apply specific exclusions to your rider when we offer to issue your rider.
If any specific exclusions apply, we will record the details in a rider endorsement.
Suicide or self-inflicted act We will not pay any benefit under this rider if the claim arises from suicide, attempted
suicide or an intentional self-inflicted act. This applies regardless of the mental state of
the person insured. If this happens, the rider will be cancelled.
Unlawful acts We will not pay any benefit 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.
We won’t pay any benefit if the signs or symptoms leading to diagnosis an illness that lead to total and permanent disability and
claim, became apparent:
■ before the rider issue date; or
■ before the rider reinstatement date (if the rider cover was restarted).
The above applies even if the signs or symptoms were not apparent to you, if they would have been apparent to a reasonable
person in the same position.
4 FWD Term Life Plus - Total and Permanent Disability add-on rider policy contract v1.0
Starting, ending, or reinstating your
total and permanent disability cover
When cover starts under your rider Reinstating your rider

We start the rider cover on the coverage start date, unless If your rider ends because of non-payment of rider and policy
noted otherwise in an endorsement. You can only claim the premiums, you can reinstate it within three years of it ending
TPD benefit after your rider cover has started. if we agree. You cannot reinstate your rider for any other
reason (for example, if you had ended the rider cover).
When your rider cover ends

The rider cover ends on the earliest of the following. date.
■ The coverage end date shown in your policy schedule.
■ The end of the 62-day grace period, if we do not receive To reinstate your rider, you will need to provide us with
your due premium before then. evidence of health, and you will need to pay us a lump sum
■ The day before the next premium due date if you request premium made up of the following amounts:
to cancel (terminate) your rider cover. ■ Any amounts you owe us.
■ The date we are told to cancel your rider cover by law or ■ A rider premium amount that covers the period from your
regulation. reinstatement date to your next premium due date.
■ The date when 100% of the sum insured under your base ■ Any medical costs that we need to pay in order to assess
plan is paid out. the health of the person insured.
■ The date when the base plan of this rider cover terminates. ■ You must reinstate your base plan as well as this rider.
What you need to do

You can claim a benefit under your rider after ■ Contact us.
cover has ended if the event happened
before the cover ended.
■ Provide a completed service request form. You need
to select the reinstatement service option.
■ Confirm that the health of the person to be insured
still qualifies for cover (by answering the questions in
■ Pay us the required premium amount.
■ Reinstate your base plan as well as this rider.
What we will do
■ We will review your application, and if we are
satisfied that you have met our requirements, we will
reinstate your base plan and this rider. Otherwise, we
will not reinstate your rider.
■ If we reinstate your base plan and rider, your cover

will be reinstated from the date we tell you.
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FWD Critical Illness add-on rider

Policy contract


Quick reference
FWD Critical Illness add-on rider 1 What we don’t cover 5

Part of your policy 1 What we don’t cover 5
Words with special meaning 1 Starting, ending, or reinstating your critical 6
illness cover
Your rider benefits 2 When cover starts under your rider 6
Summary of your benefits 2 When your rider cover ends 6
Detailed rider benefits 2 Reinstating your rider 6
Your premiums 4 Definitions of covered critical illnesses 7

Amount 4
Premium rates are not guaranteed 4
What happens if you don’t pay on time? 4
FWD Term Life Plus Critical Illness add-on rider policy contract v1.0
FWD Critical Illness add-on rider
can focus on living life to the fullest. This rider provides additional protection if the person
insured suffers one of the covered critical illnesses.
Part of your policy Who’s covered under your rider

This rider becomes part of your FWD Term Life Plus policy Person insured
(“base plan”) if we have agreed to provide it to you. The details
We will pay the critical illness benefit in a lump sum
of your critical illness cover will be shown in this FWD Critical
equivalent to 100% of the sum insured for the critical illness
Illness rider contract attached to your base plan.
benefit, as stated in the policy schedule, if you suffer a
covered critical illness condition while this rider is in place.
The terms and conditions of the base plan apply to this rider,
unless stated otherwise.
The person insured under this rider has to be the same as the
person insured under your policy. The person insured cannot
receive any benefit under this rider, and cannot make changes
to your rider, unless the person insured is also the policy
owner.

The section below explains the meanings of words and phrases used in this document.
Critical illness or Refers to any of the illnesses defined on page 7 (definitions of covered critical illnesses).
Critical illnesses
Permanent Means expected to last throughout the lifetime of the person insured.
Permanent Refer to symptoms of dysfunction in the nervous system that present on clinical examination and
neurological expected to last throughout the lifetime of the person insured. Symptoms that are covered include
deficit numbness, paralysis, localized weakness, dysarthria (difficulty with speech), aphasia (inability to
speak), dysphagia (difficulty swallowing), visual impairment, difficulty in walking, lack of
coordination, tremor, seizures, dementia, delirium and coma.
Activities of Refer to the following six activities of daily living:

daily living
i. Washing the ability to wash in the bath or shower (including getting into and out of the bath
(ADLs)
or shower) or wash satisfactorily by other means;
ii. Dressing the ability to put on, take off, secure and unfasten all garments and, as
appropriate, any braces, artificial limbs or other surgical appliances;
iii. Transferring the ability to move from a bed to an upright chair or wheelchair and vice versa;
iv. Mobility the ability to move indoors from room to room on level surfaces;
v. Toileting the ability to use the lavatory or otherwise manage bowel and bladder functions so
as to maintain a satisfactory level of personal hygiene;
vi. Feeding the ability to feed oneself once the food has been prepared and made available.
FWD Term Life Plus Critical Illness add-on rider policy contract v1.0 1
Your rider benefits
Summary of your benefits At any point in time, the critical illness benefit payable will not
be more than the death benefit sum insured or the reduced
This section describes the main benefits of your rider. To death benefit sum insured (if applicable).
understand the full details about what we pay and how we
pay it, you should read the following section (detailed rider
If you have made a claim for other benefits which reduces the
benefits).
death benefit sum insured to be less than the critical illness
benefit sum insured, we will cap the amount payable for the
critical illness benefit at the reduced death benefit sum
You can claim the following benefit while the rider
insured.
is in place.
Once we pay the reduced critical illness benefit, death

The critical illness benefit ends on the coverage end date, as benefit or terminal illness benefit, the rider and base plan will
stated in your policy schedule. terminate automatically.
We will pay the critical illness benefit in

a lump sum equivalent to 100% of the What we pay
sum insured for critical illness benefit, Diagnosis of ‘Angioplasty with other invasive treatment for
as stated in the policy schedule, if the coronary artery’
person insured suffers a covered critical
illness condition (other than ‘Angioplasty If during the time this rider is valid:
and other invasive treatment for coronary ■ You first experience symptoms that result in you needing
artery’) while this rider is in place. ‘Angioplasty and other invasive treatment for coronary
artery’; and
■ a medical practitioner subsequently confirms that you
Detailed rider benefits need this treatment,
This is an accelerating rider and it provides the following

We will pay 10% of the sum insured under the base plan,
protection benefits. You need to pay a separate premium to
subject to a maximum amount of S$25,000.
keep this protection in place.
Both the base plan and this rider will remain valid after this
How an accelerating rider works
benefit payment. However, the base plan sum insured (death
Your base plan provides the amount of cover (“sum insured”) benefit sum insured and terminal illness benefit sum insured)
for death and terminal illness, as stated in your policy will be reduced accordingly:
schedule. Any claim made by the person insured under the
base plan or the rider will be paid from such sum insured. We
will pay the benefits until the base plan sum insured is Revised sum insured = original sum insured
reached. – benefit we have paid you is in place.
For example, if the original sum insured is

Your coverage under accelerating rider
S$100,000 and the benefit claimed is S$25,000,
If the critical illness benefit sum insured equals to the death your revised sum insured will be S$75,000
benefit sum insured under the base plan, both the rider and (S$100,000 – S$25,000).
the base plan will terminate automatically after we pay the
critical illness benefit.
We will also reduce all future premiums in proportion to this
If the critical illness benefit sum insured is less than the death revised sum insured.
benefit sum insured under the base plan, the death benefit
sum insured will be reduced and the rider will terminate
automatically after we pay the critical illness benefit. In such We will only pay the benefit for “Angioplasty and other
instance, the base plan will continue, and your subsequent invasive treatment for coronary artery” once under this rider.
premiums will be reduced proportionately to your new sum
insured.
2 FWD Term Life Plus Critical Illness add-on rider policy contract v1.0
Your rider benefits
Diagnosis of other covered critical illnesses Critical illnesses covered

If during the time this rider is valid: 1. Alzheimer’s disease / severe dementia
■ you first experience symptoms that may be related to a 2. Angioplasty & other invasive treatment for coronary
critical illness (other than “Angioplasty and other invasive artery
treatment for coronary artery”); and 3. Benign brain tumour
■ a medical practitioner subsequently confirms that you 4. Coma
suffer from that critical illness,
5. Coronary artery by- pass surgery
6. Deafness (irreversible loss of hearing)
We will pay you the critical illness benefit in a lump sum
equivalent to 100% of the sum insured for the critical illness 7. End stage kidney failure
benefit, as stated in the policy schedule. The cover for critical 8. End stage liver failure
illness will end when it is paid. 9. End stage lung disease
10. Fulminant hepatitis
We will pay the critical illness benefit amount shown in your
11. Heart attack of specified severity
policy schedule, after taking off any amounts you owe us.
12. HIV due to blood transfusion and occupationally
acquired HIV
Waiting period
For the following critical illnesses, the benefits described 13. Idiopathic parkinson’s disease
under this rider are only available 90 days after the coverage 14. Irreversible aplastic anaemia
start date, the last reinstatement date (if your policy has been 15. Irreversible loss of speech
reinstated), or the date of any increase in your sum Insured (in
16. Loss of independent existence
respect of that increase), whichever is later:
17. Major burns
■ Heart attack of specified severity;
18. Major cancer
■ Major cancer;
19. Major head trauma
■ Coronary artery by-pass surgery;
20. Major organ / bone marrow transplantation
■ Angioplasty and other invasive treatment for coronary
artery; and 21. Motor neurone disease
■ Other serious coronary artery disease. 22. Multiple sclerosis
This means that no benefit will be available if you first 23. Muscular dystrophy
experience symptoms of any one or more of the above critical 24. Open chest heart valve surgery
illnesses before the end of this 90-day period.
25. Open chest surgery to aorta
26. Other serious coronary artery disease
27. Paralysis (irreversible loss of use of limbs)
28. Persistent vegetative state (apallic syndrome)
29. Poliomyelitis
30. Primary pulmonary hypertension
31. Progressive scleroderma
32. Severe bacterial meningitis
33. Severe encephalitis
34. Stroke with permanent neurological deficit
35. Systemic lupus erythematosus with lupus nephritis
Your premiums

Your current policy schedule shows the amount you need to If we accept a claim for the critical illness benefit, we will
pay for this add-on rider. refund prorated premiums paid to us after the confirmed
diagnosis.
When you need to pay premiums for your

rider Any refunded premium amount will be paid on top of the
other amounts due to be paid under your rider.
You need to pay your premiums for this rider at the same time
as you pay your premiums for your base plan (annually,
semi-annually, quarterly, or monthly). Premiums must be paid until we approve the claim
All premiums due under the base plan and any riders must be
paid until we approve the claim for critical illness benefit.
so.
Premium rates are not guaranteed

The premiums that you pay for the critical illness benefit are
not guaranteed during the period of insurance and is subject
to change during the period of insurance. We will let you
know 30 days in advance if your critical illness benefit
premiums are being revised.



We may also apply specific exclusions to your rider when we offer to issue your rider. If any specific exclusions apply, we will
record the details in a rider endorsement.
Suicide or self-inflicted act We will not pay any benefit under this rider if the claim arises from suicide, attempted
suicide or an intentional self-inflicted act. This applies regardless of the mental state of the
person insured. If this happens, the rider will be cancelled.
Unlawful acts We will not pay any benefit 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.
We won’t pay any benefit if the signs or symptoms leading to diagnosis and claim, became apparent:
critical illness cover
When cover starts under your rider Reinstating your rider

We start the critical illness rider cover on the coverage start If your rider ends because of non-payment of rider and policy
date, unless noted otherwise in an endorsement. You can only premiums, you can reinstate it within three years of it ending
claim the critical illness benefit after your rider cover has if we agree. You cannot reinstate your rider for any other
started. reason (for example, if you had ended the rider cover).

When your rider cover ends date.
The rider cover ends on the earliest of the following.
To reinstate your rider, you will need to provide us with
■ The coverage end date shown in your policy schedule. evidence of health, and you will need to pay us a lump sum
■ The end of the 62-day grace period, if we do not receive premium made up of the following amounts:
your due premium before then.
■ Any amounts you owe us.
■ The day before the next premium due date if you request ■ A rider premium amount that covers the period from your
to cancel (terminate) your rider cover.
reinstatement date to your next premium due date.
■ The date we are told to cancel your rider cover by law or ■ Any medical costs that we need to pay in order to assess
regulation.
the health of the person insured.
■ The date when 100% of the sum insured under your base ■ You must reinstate your base plan as well as this rider.
plan is paid out.
■ The date when the base plan of this rider cover terminates.
What you need to do
■ Contact us.
You can claim a benefit under your rider after
cover has ended if the event happened before
■ Provide a completed service request form. You need
the cover ended. to select the reinstatement service option.
■ Pay us the required premium amount.
What we will do
We will review your application, and if we are satisfied
that you have met our requirements, we will reinstate
your base plan and this rider. Otherwise, we will not
reinstate your rider.
■ If we reinstate your base plan and rider, your cover
will be reinstated from the date we tell you.
Definitions of covered critical
illnesses
1. Alzheimer’s disease/severe Deterioration or loss of cognitive function as confirmed by clinical evaluation and
dementia imaging tests, arising from Alzheimer’s disease or irreversible organic disorders,
resulting in significant reduction in mental and social functioning requiring the
continuous supervision of the person insured. This diagnosis must be supported
by the clinical confirmation of an appropriate consultant and supported by our
appointed doctor.
The following are excluded:

■ Non-organic diseases such as neurosis and psychiatric illnesses; and
■ Alcohol related brain damage.
2. Angioplasty & other The actual undergoing of balloon angioplasty or similar intra-arterial catheter
invasive treatment for procedure to correct a narrowing of minimum 60% stenosis, of one or more major
coronary artery coronary arteries as shown by angiographic evidence. The revascularisation must be
considered medically necessary by a consultant cardiologist.
Coronary arteries herein refer to left main stem, left anterior descending, circumflex
and right coronary artery.
Payment under this condition is limited to 10% of the sum insured under this policy
subject to a S$25,000 maximum sum payable. This benefit is payable once only and
shall be deducted from the amount of this policy contract, thereby reducing the
amount of the sum insured which may be payable herein.
Diagnostic angiography is excluded.
3. Benign brain tumour Benign brain tumour means a non-malignant tumour located in the cranial vault and
limited to the brain, meninges or cranial nerves where all of the following conditions are
met:
■ It has undergone surgical removal or, if inoperable, has caused a permanent
neurological deficit; and
■ Its presence must be confirmed by a neurologist or neurosurgeon and supported by
findings on Magnetic Resonance Imaging, Computerised Tomography, or other
reliable imaging techniques.
■ Cysts;
■ Abscess;
■ Angioma;
■ Granulomas;
■ Vascular Malformations;
■ Haematomas; and
■ Tumours of the pituitary gland, spinal cord and skull base.
Definitions of covered critical illnesses
4. Coma A coma that persists for at least 96 hours. This diagnosis must be supported by evidence
of all of the following:
■ No response to external stimuli for at least 96 hours;

■ Life support measures are necessary to sustain life; and
■ Brain damage resulting in permanent neurological deficit which must be assessed at
least 30 days after the onset of the coma.
For the above definition, medically induced coma and coma resulting directly from
alcohol or drug abuse are excluded
5. Coronary artery by-pass The actual undergoing of open-chest surgery or Minimally Invasive Direct Coronary
surgery Artery Bypass surgery to correct the narrowing or blockage of one or more coronary
arteries with bypass grafts. This diagnosis must be supported by angiographic evidence
of significant coronary artery obstruction and the procedure must be considered
medically necessary by a consultant cardiologist.
Angioplasty and all other intra-arterial, catheter-based techniques, ‘keyhole’ or laser

procedures are excluded.
6. Deafness (irreversible loss Total and irreversible loss of hearing in both ears as a result of illness or accident. This
of hearing) diagnosis must be supported by audiometric and sound- threshold tests provided and
certified by an Ear, Nose, Throat (ENT) specialist.
Total means “the loss of at least 80 decibels in all frequencies of hearing”.

Irreversible means “cannot be reasonably restored to at least 40 decibels by medical
treatment, hearing aid and/or surgical procedures consistent with the current standard
of the medical services available in Singapore after a period of 6 months from the date
of intervention.”
7. End stage kidney failure Chronic irreversible failure of both kidneys requiring either permanent renal dialysis or
kidney transplantation.
8. End stage liver failure End stage liver failure as evidenced by all of the following:
■ Permanent jaundice;
■ Ascites; and
■ Hepatic encephalopathy.
Liver disease secondary to alcohol or drug abuse is excluded.
9. End stage lung disease End stage lung disease, causing chronic respiratory failure. This diagnosis must be
supported by evidence of all of the following:
■ FEV1 test results which are consistently less than 1 litre;

■ Permanent supplementary oxygen therapy for hypoxemia;
■ Arterial blood gas analyses with partial oxygen pressures of 55mmHg or less (PaO2 ≤
55mmHg); and
■ Dyspnea at rest.
The diagnosis must be confirmed by a respiratory physician.
10. Fulminant hepatitis A submassive to massive necrosis of the liver by the Hepatitis virus, leading
precipitously to liver failure. This diagnosis must be supported by all of the following:
■ Rapid decreasing of liver size as confirmed by abdominal ultrasound;

■ Necrosis involving entire lobules, leaving only a collapsed reticular framework;
■ Rapid deterioration of liver function tests;
■ Deepening jaundice; and
■ Hepatic encephalopathy.
11. Heart attack of specified Death of heart muscle due to ischaemia, that is evident by at least three of the following
severity criteria proving the occurrence of a new heart attack:
■ History of typical chest pain;
■ New characteristic electrocardiographic changes; with the development of any of
the following: ST elevation or depression, T wave inversion, pathological Q waves or
left bundle branch block;
■ Elevation of the cardiac biomarkers, inclusive of CKMB above the generally
accepted normal laboratory levels or Cardiac Troponin T or I at 0.5ng/ml and above;
■ Imaging evidence of new loss of viable myocardium or new regional wall motion
abnormality. The imaging must be done by Cardiologist specified by us.
For the above definition, the following are excluded:

■ Angina;
■ Heart attack of indeterminate age; and
■ A rise in cardiac biomarkers or Troponin T or I following an intra-arterial cardiac
procedure including, but not limited to, coronary angiography and coronary
angioplasty.
Explanatory note: 0.5ng/ml = 0.5ug/L = 500pg/ml
12. HIV due to blood A. Infection with the Human Immunodeficiency Virus (HIV) through a blood transfusion,
transfusion and provided that all of the following conditions are met:
occupationally acquired HIV
■ The blood transfusion was medically necessary or given as part of a medical
treatment;
■ The blood transfusion was received in Singapore after the issue date, date of
endorsement or date of reinstatement of this rider contract, whichever is the later;
and
■ The source of the infection is established to be from the Institution that provided the
blood transfusion and the Institution is able to trace the origin of the HIV tainted
blood.
B. Infection with the Human Immunodeficiency Virus (HIV) which resulted from an
accident occurring after the issue date, date of endorsement or date of reinstatement of
this rider contract, whichever is the later whilst the person insured was carrying out the
normal professional duties of his or her occupation in Singapore, provided that all of the
following are proven to our satisfaction:
■ Proof that the accident involved a definite source of the HIV infected fluids;
■ Proof of sero-conversion from HIV negative to HIV positive occurring during the 180
days after the documented accident. This proof must include a negative HIV
antibody test conducted within 5 days of the accident; and
■ HIV infection resulting from any other means including sexual activity and the use of
intravenous drugs is excluded.
This benefit is only payable when the occupation of the person insured is a medical
practitioner, housemen, medical student, state registered nurse, medical laboratory
technician, dentist (surgeon and nurse) or paramedical worker, working in medical
centre or clinic (in Singapore).
This benefit will not apply under either section A or B where a cure has become
available prior to the infection. “Cure” means any treatment that renders the HIV
inactive or non-infectious.
13. Idiopathic parkinson’s The unequivocal diagnosis of idiopathic Parkinson’s Disease by a consultant neurologist.
disease This diagnosis must be supported by all of the following conditions:
■ The disease cannot be controlled with medication; and

■ Inability of the person insured to perform (whether aided or unaided) at least 3 of the
6 “Activities of Daily Living” for a continuous period of at least 6 months.
For the purpose of this definition, “aided” shall mean with the aid of special equipment,
device and/or apparatus and not pertaining to human aid.
14. Irreversible aplastic Chronic persistent and irreversible bone marrow failure, confirmed by biopsy, which
anaemia results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least
one of the following:
■ Blood product transfusion;

■ Bone marrow stimulating agents;
■ Immunosuppressive agents; or
■ Bone marrow or haematopoietic stem cell transplantation.
The diagnosis must be confirmed by a haematologist.
15. Irreversible loss of speech Total and irreversible loss of the ability to speak as a result of injury or disease to the
vocal cords. The inability to speak must be established for a continuous period of 12
months. This diagnosis must be supported by medical evidence furnished by an Ear,
Nose, Throat (ENT) specialist.
All psychiatric related causes are excluded.
16. Loss of independent A condition as a result of a disease, illness or injury whereby the person insured is
existence unable to perform (whether aided or unaided) at least 3 of the 6 “Activities of Daily
Living”, for a continuous period of 6 months. This condition must be confirmed by our
approved doctor.
Non-organic diseases such as neurosis and psychiatric illnesses are excluded.

17. Major burns Third degree (full thickness of the skin) burns covering at least 20% of the surface of the
person insured’s body.
18. Major cancer A malignant tumour positively diagnosed with histological confirmation and
characterised by the uncontrolled growth of malignant cells with invasion and
destruction of normal tissue.
The term Major Cancer includes, but is not limited to, leukemia, lymphoma and
sarcoma.
Major Cancer diagnosed on the basis of finding tumour cells and/or tumour-associated
molecules in blood, saliva, faeces, urine or any other bodily fluid in the absence of
further definitive and clinically verifiable evidence does not meet the above definition.
For the above definition, the following are excluded:
■ All tumours which are histologically classified as any of the following:
■ Pre-malignant;
■ Non-invasive;
■ Carcinoma-in-situ (Tis) or Ta;
■ Having borderline malignancy;
■ Having any degree of malignant potential;
■ Having suspicious malignancy;
■ Neoplasm of uncertain or unknown behaviour; or
■ All grades of dysplasia, squamous intraepithelial lesions (HSIL and LSIL) and intra
epithelial neoplasia.
■ Any non-melanoma skin carcinoma, skin confined primary cutaneous lymphoma and
dermatofibrosarcoma protuberans unless there is evidence of metastases to lymph
nodes or beyond;
■ Malignant melanoma that has not caused invasion beyond the epidermis;
■ All Prostate cancers histologically described as T1N0M0 (TNM Classification) or
below; or Prostate cancers of another equivalent or lesser classification;
■ All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or
below;
■ All Neuroendocrine tumours histologically classified as T1N0M0 (TNM
Classification) or below;
■ All tumours of the Urinary Bladder histologically classified as T1N0M0 (TNM
Classification) or below;
■ All Gastro-Intestinal Stromal tumours histologically classified as Stage I or IA
according to the latest edition of the AJCC Cancer Staging Manual, or below;
■ Chronic Lymphocytic Leukaemia less than RAI Stage 3;
■ All bone marrow malignancies which do not require recurrent blood transfusions,
chemotherapy, targeted cancer therapies, bone marrow transplant, haematopoietic
stem cell transplant or other major interventionist treatment; and
■ All tumours in the presence of HIV infection.
19. Major head trauma Accidental head injury resulting in permanent neurological deficit to be assessed no
sooner than 6 weeks from the date of the accident. This diagnosis must be confirmed by
a consultant neurologist and supported by relevant findings on Magnetic Resonance
Imaging, Computerised Tomography, or other reliable imaging techniques. “Accident”
means an event of violent, unexpected, external, involuntary and visible nature which is
independent of any other cause and is the sole cause of the head Injury.

■ Spinal cord injury; and
■ Head injury due to any other causes.
20. Major organ/bone The receipt of a transplant of:

marrow transplantation ■ Human bone marrow using haematopoietic stem cells preceded by total bone
marrow ablation; or
■ One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted
from irreversible end stage failure of the relevant organ.
Other stem cell transplants are excluded.
21. Motor neurone disease Motor neurone disease characterised by progressive degeneration of corticospinal
tracts and anterior horn cells or bulbar efferent neurones which include spinal muscular
atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral
sclerosis. This diagnosis must be confirmed by a neurologist as progressive and
resulting in permanent neurological deficit.
22. Multiple sclerosis The definite diagnosis of Multiple Sclerosis, and must be supported by all of the
following:
■ Investigations which unequivocally confirm the diagnosis to be Multiple Sclerosis;
and
■ Multiple neurological deficits which occurred over a continuous period of at least 6
months.
Other causes of neurological damage such as SLE and HIV are excluded.
23. Muscular dystrophy The unequivocal diagnosis of muscular dystrophy must be made by a consultant
neurologist. The condition must result in the inability of the person insured to perform
(whether aided or unaided) at least 3 of the 6 “Activities of Daily Living” for a continuous
period of at least 6 months.
24. Open chest heart valve The actual undergoing of open-heart surgery to replace or repair heart valve
surgery abnormalities. The diagnosis of heart valve abnormality must be supported by cardiac
catheterization or echocardiogram and the procedure must be considered medically
necessary by a consultant cardiologist.
25. Open chest surgery to The actual undergoing of major surgery to repair or correct an aneurysm, narrowing,
aorta obstruction or dissection of the aorta through surgical opening of the chest or
abdomen. For the purpose of this definition, aorta shall mean the thoracic and
abdominal aorta but not its branches.
Surgery performed using only minimally invasive or intra-arterial techniques are

excluded.
26. Other serious coronary The narrowing of the lumen of at least one coronary artery by a minimum of 75% and of
artery disease two others by a minimum of 60%, as proven by invasive coronary angiography,
regardless of whether or not any form of coronary artery surgery has been performed.
Diagnosis by Imaging or non-invasive diagnostic procedures such as CT scan or MRI

does not meet the confirmatory status required by the definition.
Coronary arteries herein refer to left main stem, left anterior descending, circumflex
and right coronary artery. The branches of the above coronary arteries are excluded.
27. Paralysis (irreversible loss Total and irreversible loss of use of at least 2 entire limbs due to injury or disease
of use of limbs) persisting for a period of at least 6 weeks and with no foreseeable possibility of
recovery. This condition must be confirmed by a consultant neurologist.
Self-inflicted injuries are excluded.
28. Persistent vegetative state Universal necrosis of the brain cortex with the brainstem intact. This diagnosis must be
(apallic syndrome) definitely confirmed by a consultant neurologist holding such an appointment at an
approved hospital. This condition has to be medically documented for at least one
month.
29. Poliomyelitis The occurrence of Poliomyelitis where the following conditions are met:
■ Poliovirus is identified as the cause,

■ Paralysis of the limb muscles or respiratory muscles must be present and persist for
at least 3 months.
The diagnosis must be confirmed by a consultant neurologist or specialist in the

relevant medical field.
30. Primary pulmonary Primary Pulmonary Hypertension with substantial right ventricular enlargement
hypertension confirmed by investigations including cardiac catheterisation, resulting in permanent
physical impairment of at least Class IV of the New York Heart Association (NYHA)
Classification of Cardiac Impairment.
The NYHA Classification of Cardiac Impairment:
Class I: No limitation of physical activity. Ordinary physical activity does not cause
undue fatigue, dyspnea, or anginal pain.
Class II: Slight limitation of physical activity. Ordinary physical activity results in
symptoms.
Class III: Marked limitation of physical activity. Comfortable at rest, but less than
ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without discomfort. Symptoms may
be present even at rest.
31. Progressive scleroderma A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin,
blood vessels and visceral organs. This diagnosis must be unequivocally confirmed by a
consultant rheumatologist and supported by biopsy or equivalent confirmatory test,
and serological evidence, and the disorder must have reached systemic proportions to
involve the heart, lungs or kidneys.

■ Localised scleroderma (linear scleroderma or morphea);
■ Eosinophilic fascitis; and
■ CREST syndrome
32. Severe bacterial Bacterial infection resulting in severe inflammation of the membranes of the brain or
meningitis spinal cord resulting in significant, irreversible and permanent neurological deficit. The
neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed
by:
■ The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and
■ A consultant neurologist.
Bacterial Meningitis in the presence of HIV infection is excluded.
33. Severe encephalitis Severe inflammation of brain substance (cerebral hemisphere, brainstem or
cerebellum) and resulting in permanent neurological deficit which must be documented
for at least 6 weeks. This diagnosis must be certified by a consultant neurologist, and
supported by any confirmatory diagnostic tests.
Encephalitis caused by HIV infection is excluded.
34. Stroke with permanent A cerebrovascular incident including infarction of brain tissue, cerebral and
neurological deficit subarachnoid haemorrhage, intracerebral embolism and cerebral thrombosis resulting
in permanent neurological deficit. This diagnosis must be supported by all of the
following conditions:
■ Evidence of permanent clinical neurological deficit confirmed by a neurologist at
least 6 weeks after the event; and
■ Findings on Magnetic Resonance Imaging, Computerised Tomography, or other
reliable imaging techniques consistent with the diagnosis of a new stroke.

■ Transient Ischaemic Attacks;
■ Brain damage due to an accident or injury, infection, vasculitis, and inflammatory
disease;
■ Vascular disease affecting the eye or optic nerve;
■ Ischaemic disorders of the vestibular system; and
■ Secondary haemorrhage within a pre-existing cerebral lesion.
35. Systemic lupus The unequivocal diagnosis of Systemic Lupus Erythematosus (SLE) based on
erythematosus with lupus recognised diagnostic criteria and supported with clinical and laboratory evidence. In
nephritis respect of this contract, systemic lupus erythematosus will be restricted to those forms
of systemic lupus erythematosus which involve the kidneys (Class III to Class VI Lupus
Nephritis, established by renal biopsy, and in accordance with the RPS/ISN
classification system). The final diagnosis must be confirmed by a certified doctor
specialising in Rheumatology and Immunology.
The RPS/ISN classification of lupus nephritis:

Class I Minimal mesangial lupus nephritis
Class II Mesangial proliferative lupus nephritis
Class III Focal lupus nephritis (active and chronic; proliferative and sclerosing)
Class IV Diffuse lupus nephritis (active and chronic; proliferative and sclerosing;
segmental and global)
Class V Membranous lupus nephritis
Class VI Advanced sclerosis lupus nephritis
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fwd.com.sg
FWD Premium Waiver add-on rider

Policy contract


Quick reference
FWD Premium Waiver add-on rider 1 What we don’t cover 4

Part of your policy 1 What we don’t cover 4
Starting, ending, or reinstating your premium 5

Your rider benefits 2
waiver cover
Summary of your benefits 2
When cover starts under your rider 5
Detailed rider benefits 2
When your rider cover ends 5
Reinstating your rider 5
Your premiums 3
Amount 3
Premium rates are not guaranteed 3
What happens when you don’t pay on time ? 3
FWD Term Life Plus - Premium Waiver add-on rider policy contract v1.0
FWD Premium Waiver add-on rider
can focus on living life to the fullest. This rider waives future premiums if the person insured
suffers a total and permanent disability (“TPD”) or a covered critical illness.
Part of your policy

This rider becomes part of your FWD Term Life Plus policy (“base plan”) if we have agreed to provide it to you. The details of your
premium waiver cover will be shown in this FWD premium waiver rider contract attached to your base plan.
The terms and conditions of the base plan apply to this rider, unless stated otherwise.
Who’s covered under your rider

Person insured
We will waive future premiums of the base plan and all the riders, if you become totally and permanently disabled or suffer one of
the covered critical illness while this rider is in place.
The person insured under this rider has to be the same as the person insured under your policy. The person insured cannot
receive any benefit under this rider, and cannot make changes to your rider, unless the person insured is also the policy owner.
FWD Term Life Plus - Premium Waiver add-on rider policy contract v1.0 1
Your rider benefits
Summary of your benefits

This section describes the main benefits of your rider. To understand the full details about what we pay and how we pay it, you
should read the following section (detailed rider benefits).
You can claim the following benefit while the rider

is in place.
Detailed rider benefits

Premium waiver benefit
You do not need to continue paying the premiums of your policy, starting from the date your next premium is due, if you:
■ are diagnosed by a medical practitioner as having suffered from a covered critical illness other than ‘Angioplasty and other
invasive treatment for coronary artery’ while this rider is valid; or
■ in the opinion of a medical practitioner, become totally and permanently disabled before your 65th birthday and while this
rider is valid.
Waiting period
For the following critical illnesses, the benefits described above are only available after 90 days following the coverage start date,
the last reinstatement date (if your policy has been reinstated), or the date of any increase in your sum insured (in respect to that
increase), whichever is later:
■ Heart attack of specified severity;
■ Major cancer;
■ Coronary artery by-pass surgery; and
■ Other serious coronary artery disease.
This means that no benefit will be available if you first experience symptoms of any one or more of the above critical illnesses
before the end of this 90-day period.
2 FWD Term Life Plus - Premium Waiver add-on rider policy contract v1.0
Your premiums

Your current policy schedule shows the amount you need to If we accept a claim for the total and permanent disability
pay for this add-on rider. benefit or the critical illness benefit, we will refund prorated
premiums paid to us after the confirmed diagnosis.
When you need to pay premiums for your

rider Premiums must be paid until we approve the claim
You need to pay your premiums for this rider at the same time All premiums due under the base plan and any riders must be
as you pay your premiums for your base plan (annually, paid until we approve the claim for the premium waiver
semi-annually, quarterly, or monthly). benefit.
so.
Premium rates are not guaranteed

The premiums that you pay for the premium waiver benefit
are not guaranteed during the period of insurance and is
subject to change during the period of insurance. We will let
you know 30 days in advance if your critical illness benefit
premiums are being revised.



We may also apply specific exclusions to your rider when we offer to issue your rider. If any specific exclusions apply, we will
record the details in a rider endorsement.
Suicide or self-inflicted act Premium waiver benefit will not be available for total and permanent disability or
critical illness that directly or indirectly results from attempted suicide or an
intentional self-inflicted act by yourself.
This applies regardless of the mental state of the person insured. If this happens, the
rider will be cancelled.
Unlawful acts Premium waiver benefit will not be available 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.
Angioplasty and other invasive Premium waiver benefit will not be available for a critical illness that directly or
treatment for coronary artery indirectly results from ‘Angioplasty and other invasive treatment for coronary artery’.
We won’t pay any benefit if the signs or symptoms leading to the diagnosis of a critical illness or total and permanent disability,
and claim, became apparent:
4 FWD Term Life Plus - Premium Waiver add-on rider policy contract v1.0
premium waiver cover
When cover starts under your rider What you need to do

We start the premium waiver rider cover on the coverage ■ Contact us.
start date, unless noted otherwise in an endorsement. You ■ Provide a completed service request form. You need
to select the reinstatement service option.
can only claim the premium waiver benefit after your rider
cover has started.
When your rider cover ends ■ Pay us the required premium amount.
The rider cover ends on the earliest of the following.
■ The coverage end date shown in your policy schedule.
■ The end of the 62-day grace period, if we do not receive
your due premium before then. What we will do
■ The day before the next premium due date if you request ■ We will review your application, and if we are
to cancel (terminate) your rider cover. satisfied that you have met our requirements, we will
■ The date we are told to cancel your rider cover by law or reinstate your base plan and this rider. Otherwise, we
regulation. will not reinstate your rider.
■ The date when 100% of the sum insured under your base ■ If we reinstate your base plan and rider, your cover
plan is paid out. will be reinstated from the date we tell you.
■ The date when the base plan of this rider cover terminates.
Reinstating your rider

If your rider ends because of non-payment of rider and policy
premiums, you can reinstate it within three years of it ending
if we agree. You cannot reinstate your rider for any other
reason (for example, if you had ended the rider cover).

date.
To reinstate your rider, you will need to provide us with

evidence of health, and you will need to pay us a lump sum
premium made up of the following amounts:
■ Any amounts you owe us.
■ A rider premium amount that covers the period from your
reinstatement date to your next premium due date.
■ Any medical costs that we need to pay in order to assess
the health of the person insured.
■ You must reinstate your base plan as well as this rider.

FWD Term Life Plus Insurance: Policy Contract

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Celebrate living

FWD Term Life Plus insurance

This is your contract for your insurance policy.

If you need help, call our hotline: +65 6820 8888

About your policy 1 Making a claim 10

What you’re covered for 5 Your premiums 12

Starting, changing or ending your policy 7 Keeping it legal 13

FWD Term Life Plus insurance policy contract v1.0

Your FWD Term Life Plus policy

Words with special meaning

This is not a savings or investment product Age Policy issue date

■ This policy contract,

We’re here to change the way you feel about insurance –

FWD Term Life Plus insurance policy contract v1.0 1

Choosing who receives the benefits Coverage renewal option

You cannot cancel your policy if you have made a claim

2 FWD Term Life Plus insurance policy contract v1.0

Tell us about any changes

How to contact us if you have any questions or to make a claim

How to resolve a concern or complaint

We will respond to your complaint within 3 working days of us receiving it.

FWD Term Life Plus insurance policy contract v1.0 3

Your benefits at a glance

Policy starts Claim event Policy ends

Terminal illness Death

100% of sum insured 100% of sum insured

4 FWD Term Life Plus insurance policy contract v1.0

Summary of your policy benefits Terminal illness benefit

When we won’t pay

When we won’t pay

FWD Term Life Plus insurance policy contract v1.0 5

The legal spouse must be aged 55 years old or under at the

What you need to do

When we won’t offer the new policy

6 FWD Term Life Plus insurance policy contract v1.0

When your policy starts Changing your premium payment method or

What you need to do

Changes to your policy What we will do

FWD Term Life Plus insurance policy contract v1.0 7

This coverage renewal option is available every year until

8 FWD Term Life Plus insurance policy contract v1.0

Person insured Nominees

FWD Term Life Plus insurance policy contract v1.0 9

How to notify us of a claim We’re here for you

Tell us as soon as possible

Every effort should be made for claim forms and supporting

When we will not pay any benefit

This applies regardless of the mental state of the person insured.

10 FWD Term Life Plus insurance policy contract v1.0

We check the age and gender before paying

Costs of preparing claims

Who do we pay your claim to?

We pay the death benefit to the nominees.

FWD Term Life Plus insurance policy contract v1.0 11

Paying your premium Payment method options

Amount Premium rates are guaranteed

What happens if you don’t pay on time

12 FWD Term Life Plus insurance policy contract v1.0

Governing law You need to provide correct and complete information