Our array of products are designed to suit your needs and lifestyle, aiming to provide channels for you to SAVE and INVEST, as well as PROTECT you, your family and even your business!

Live a life without hesitation and freely pursue your passion with our protection plans. We are here to provide you with the best support when you need it.

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  • Flexible choice of coverage and additional medical booster benefit

  • Guaranteed renewable until age 100

  • Extra protection for radiotherapy, chemotherapy and kidney dialysis

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  • Daily hospital cash support

  • Full refund of total annual premium paid

  • Cover for 10 years

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  • Hospitalisation cover for family

  • Optional supplementary major medical, outpatient and dental benefits

  • Free annual health check-up

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  • Lifetime limit up to HK$100 million

  • Full reimbursement of hospital accommodation in a standard private room

  • Daily hospital cash of HK$1,500 for room or board stay below a standard private room

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  • A refund of 102% of the total premium paid at maturity

  • 10-year premium payment term for a 15-year benefit term

  • Additional Intensive Care Unit and Infectious Diseases Benefits

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  • Additional Crisis and Death Benefit within the first 15 Policy Years

  • Special Crisis Benefit for the insured’s newborn babies

  • Customised rehabilitation service will be offered if the insured is diagnosed with a Heart Attack or Stroke

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  • Up to 700% of the Initial Sum Insured as Multiple Crises Benefit

  • Life Enrichment Program tailors professional rehabilitation service for different critical illnesses

  • Up to HK$6,000 Health Screening Benefit of your choice offered once every two Policy Years

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  • Up to two advanced payments of 20% of the sum insured for early-stage cancer

  • Full premium refund upon policy maturity if no claim is made

  • Post Cancer Treatment, such as Chinese medicine consultations and physiotherapy, after the first confirmed diagnosis of cancer

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  • Lump-sum payment for accidental death and dismemberment

  • Accidental medical cost reimbursement

  • Double benefit for accidents that occurred on public transport or in a public building fire

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  • Monthly benefit in the event of total disability

  • Up to nine types of benefit including disabilities and transplants

  • Choice of different plans and benefit periods

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  • Accidental death and permanent disability compensation

  • Add-ons available for different compensation

  • Double benefit for accidents that occurred on public transport or in a public building fire

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  • Cover for full-time students studying in Hong Kong

  • Accidental medical expenses and surgical treatment covered

  • Daily hospitalisation allowance

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  • Cover for 32 high-risk occupations and over 120 types of construction work

  • Choice of three plans covering accidental death and permanent total disability

  • Daily allowance for hospitalisation longer than three days

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  • If the insured becomes disabled or dies within one year of the accident, the plan will pay out a sum of up to 10 times of your annual income

  • You will receive a daily cash allowance of HK$1,000 if you are hospitalised for more than 3 days in a row

  • Use specified credit card for easy policy renewal

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  • Personal legal liability protection up to HK$5 million

  • Worldwide coverage for trips within 90 consecutive days

  • Protects you and every family member living with you under the same roof

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  • Household contents cover up to HK$500,000

  • Alternative accommodation reimbursed up to HK$1,000 per day

  • Personal liability cover up to HK$5 million

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  • Household contents cover up to HK$1 million

  • Personal liability cover up to HK$5 million

  • Tenants are protected against damage to landlord’s structural fixtures

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  • Extensive cover for a wide array of calamities

  • Man-made events and accidents are also covered

  • Add-ons available for more comprehensive coverage

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  • Employer’s legal liability covered up to HK$100 million

  • Multiple cover for the helper, including dental, surgical and repatriation expenses

  • Re-hire with no extra cost in case of the helper’s disability or death

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  • Protect you and your part-time local domestic helper for HK$1 a day

  • No need to provide the helper’s HKID no. during sign up

  • Seamless coverage even with change of your helper

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  • Cover for internal and external components of home

  • Legal liability covered for accidental third party injury during construction

  • Property protection during construction

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  • Various covers for all modes of transport of property

  • All-round protection for your property with basic plan

  • Add on “All Risks” clause for a wider range of protection

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  • Coverage for a variety of veterinary services

  • Third party liability caused by your pet is covered

  • In case of missing pet, advertising costs are covered with Plan 2 or 3

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  • Low-cost pure life cover with guaranteed premiums for the first 20 policy years

  • Get rewarded with preferential premium rates for staying healthy

  • Advance payment if the insured is likely to pass away within a year

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  • Choice of protection period that suits the mortgage term

  • Payments remain the same throughout the benefit period

  • Lump-sum death benefit to pay off the mortgage

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  • Personal accident coverage of up to HK$1,200,000

  • HK$500 daily cash allowance for overseas hospitalisation

  • Cover for leisure and amateur sports

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  • Medical and follow up expenses covered

  • Payment for unpaid tuition fees if the parents pass away

  • Cover for compassionate visit and death benefit in the event of kidnapping

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  • Loss of income cash allowances in the event of work disruption or injury

  • Worldwide coverage for travelling throughout working holiday

  • Coverage for personal accidents and medical-related claims

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  • Golfing equipment insured against accidental loss and damage

  • Cover for accidental death or serious injury up to HK$500,000

  • Cover for third party damages up to HK$3 million

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  • HK$500,000 worth of free benefit

  • Simple online application, even at the last minute

  • Combines with existing travel plans

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  • Two covers of your choice

  • Keep total claims below HK$60,000 to enjoy no claim discount

  • Replacement for cars less than a year old in the event of theft or write-off in an accident

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  • Instant online preliminary quote available

  • Three covers of your choice

  • Enhance driving pleasure with FWD Drivamatics App. You may get “MotorSmart Award” and enjoy up to 30% cash rebate

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  • Cover for physical loss or damage to your craft

  • Protect you against legal liabilities to third parties

  • Customise your policy to suit your needs and boat

Whether you are adventurous or cautious, we have different plans that suit your needs! From our Investment-linked Assurance Schemes to MPF and ORSO schemes, we’ve got options for you to select the investment choices according to your unique goals and risk appetite across different stages of your life. Come explore!

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Enjoy your lifestyle and live in the moment, while keeping your financial house in order with our wide range of savings products, to build a more secured future for you and your family.

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  • Guaranteed cash value offers long-term capital protection

  • Easy cash withdrawal from annual dividends

  • Option to partially lock special bonus into the policy to earn more interest

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  • Guaranteed cash coupons for life

  • Accumulate interest on annual dividends left in the policy

  • Choice of four payment periods

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  • Guaranteed cash coupons for life

  • Extra money from annual dividends and special bonus

  • Death benefit and additional cancer benefit

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  • Choice of three different premium payment terms

  • Guaranteed cash coupons paid for five consecutive years after the end of the premium payment period

  • Special bonus upon maturity or cancellation of the policy

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  • Guaranteed cash coupons for three consecutive years once your child reaches age 18

  • 10-year fixed premium payment term

  • Special bonus payable upon maturity or cancellation of the policy

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  • Steady monthly income for up to 20 years or age 105

  • Earn more with the extra monthly annuity in addition to the guaranteed monthly annuity payment

  • Monthly payment paid directly to you or kept in the policy for accumulating interest

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  • Guaranteed annual crediting interest rates for the first three policy years

  • No charge for withdrawal from policy

  • Death benefit and accidental death benefit provided

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  • Guaranteed annual crediting interest rates for the first three policy years

  • No charge for withdrawal from policy

  • Death benefit and accidental death benefit provided

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  • Guaranteed crediting interest rates for the first five policy years

  • No charge for partial surrenders from your policy

  • Offers death benefit and one of the three extra protection riders for free

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  • Guaranteed crediting interest rates for the first five policy years

  • No charge for partial surrenders from your policy

  • Offers death benefit and one of the three extra protection riders for free

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  • Choice of the premium amount

  • Options for adding booster contribution and partial surrender to withdraw from the account value are available if needed

  • Crediting interest automatically paid into your account annually

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  • Your choice to add regular and booster contributions

  • Premium holiday option available if needed

  • Interests and bonuses distributed according to plans

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  • Guaranteed minimum crediting interest rate for the whole policy term

  • Option to partially surrender to withdraw from the account value

  • Life protection to care for loved ones and wealth for a total peace of mind

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  • Choice of two levels of coverage

  • Freedom to add regular and booster contributions

  • Interests and bonuses distributed according to plans

Product Brochure

Product Brochure

Product Brochure

Product Brochure