FWD Philippines plans, explained simply.

Protect your family's lifestyle

Help your family maintain the life they lead, even after you are gone. Guaranteed term and whole life protection with variants for short term cover, income protection, and estate protection.

• Death benefit, funeral benefit, and overseas death benefit
• Child protection and waiver of premium
• Coverage of 5 or 10 years renewable, or to age 55, 60, 65, or 120 depending on the variant
• Issue ages from 18 to 70 depending on the plan
• Digital version: three health questions, no medical exam

Pass on your legacy your way

Protect your estate or transfer your wealth with a sizable life insurance cash benefit, so your legacy passes to your children, grandchildren, and even great grandchildren without interruption.

• Life coverage to age 120
• Cash benefit that can be used to settle estate taxes
• Payment options: 5 year, 10 year, single pay, or regular pay

Build your own protection from PHP 330 for year one

Choose the benefits and coverage amounts that fit you. Death benefit is renewable to age 99, with optional accidental death and critical illness benefits renewable to age 79.

• Issue age 18 to 70
• Annual, semi annual, or quarterly payment
• No premium increase every five years when renewed on time

PHP 200,000 life coverage for PHP 1,799 a year

A simple starter plan. Your family receives PHP 200,000 should you pass away. Covered until age 55, renewed yearly, with no medical exam required.

• Issue age 18 to 50
• Coverage until age 55
• No medical exam

PHP 500,000 accident coverage for PHP 1,799 a year

A cash benefit of PHP 500,000 for accidental death or permanent disability, covered until age 55 with no medical exam.

• Issue age 18 to 50
• Coverage until age 55
• No medical exam

Complete protection in one plan

Life, accident, and critical illness protection in a single plan until age 55 for PHP 5,397 a year, or about PHP 15 a day. Easy to buy online with no medical tests.

• Three types of cover in one application
• Coverage until age 55
• No medical tests required

Zero waste health cover

Claim up to three times for unrelated major critical illnesses, and get 100 percent of your premiums back at age 75 if you never make a major claim. If you pass away before age 75, your family receives 100 percent of the benefit amount.

• 42 major and up to 9 minor critical illnesses covered
• Minor critical illness benefit of 20 percent of the benefit amount, up to PHP 500,000
• Payment terms of 5, 10, or 20 years
• Issue age from 15 days to 60, coverage to age 75
• Digital version for ages 18 to 55 with three health questions and no medical exam

Complete protection from wellness to recovery

Support before, during, and after an illness. Claim up to six times for major critical illnesses, three for cancer and three for non cancer, with a health screening benefit and 100 percent of the benefit amount at maturity if no major claim is made.

• Late stage cancers, 41 non cancer major illnesses, and 15 minor illnesses covered
• Minor critical illness benefit of 25 percent of the benefit amount, up to PHP 1,000,000
• Health screening benefit and waiver of premium
• Issue age from 15 days to 65, coverage to age 100
• 5 or 10 year payment terms

Starter critical illness cover for PHP 1,799 a year

Receive PHP 100,000 when diagnosed with any of 42 critical illnesses. Covered until age 55 with no medical exam. Can also be gifted to family, friends, or employees.

• Issue age 18 to 50
• Coverage until age 55
• No medical exam

Cover for the three most common critical illnesses

Affordable financial protection for heart attack, stroke, and cancer, the most common critical illnesses in the Philippines.

• Focused on heart attack, stroke, and cancer
• Affordable entry level premium

Make your future a sure thing

A life protection and savings plan with 20 years of guaranteed life coverage, guaranteed yearly payouts from year 11 through year 20, and a guaranteed maturity benefit. Payouts do not depend on market performance.

• Guaranteed payouts you can take as cash or accumulate
• Guaranteed maturity benefit at the end of 20 years
• Use it for education, retirement, a future self fund, or a gift to a grandchild
• Buyers aged 18 to 99; insured from 15 days to 50 years old

Your protection plan plus investment plus more

An investment linked plan you design around your goals, with the right balance of protection and investment until age 100. Available on its own or as a bundle: Family Hero, Babyproof, Health Bundle, or All in Protection.

• Death benefit equal to the benefit amount, account value, or minimum death benefit
• Optional accidental death, waiver of premium, and health add ons
• 5 year, 10 year, or regular payment to age 99
• Investment potential subject to fund performance

Invest with confidence and manifest your dreams

Protects you and your investment while growing your wealth, whether the goal is retirement, education, or building wealth over time.

• Life protection with an investment component
• Choose funds that match your goals and comfort with risk
• Can serve as the base plan for the FWD Health Bundle

One time pay, wealth built your way

FWD's first flexible single pay plan. Choose to build wealth in PHP or USD and the coverage you need from the Creator, Harmonizer, or Legacy Builder options.

• One time payment
• PHP or USD
• Three policy options: Creator, Harmonizer, Legacy Builder