Life protection for your loved ones

Life Promise Insurance Plan provides you with life protection to age 1001 and helps you to prepare financial security for your loved ones. The plan provides guaranteed cash value, annual dividend (if any)2 and special bonus (if any)3 that will help build up your wealth steadily and help you seize every important moment of your life.

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Disclaimer: The features above are indicative only. Please refer to the Product Brochure for details. For a complete explanation of the terms and conditions, please call our 24-hour Service Hotline at +852 3123 3123.


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  1. Age is based on the next birthday age and the policy term to the policy anniversary that falls immediately after the insured's 99th birthday.
  2. Annual dividend, which is not guaranteed, will be payable annually from the 2nd policy anniversary. The annual dividend (if any) is based on FWD Life Insurance Company (Bermuda) Limited ("FWD")'s current scales which are not guaranteed and are determined at least annually and may be adjusted more frequently than annually based on a series of factors including but not limited to market conditions, investment outlook, expenses, policy persistency, claims experience, and FWD's investment return. The actual amount payable may change anytime, with the values being higher or lower than those illustrated. Under some circumstances, the non-guaranteed benefits may be zero.
  3. Special bonus, which is not guaranteed, will be payable from the 2nd policy anniversary under the policy upon the death of the Insured, partial surrender of the policy, surrender of the policy, maturity of the policy or at the end of the one year reinstatement period if the policy lapses and is not reinstated within the period. The special bonus (if any) is based on FWD's current scales which are not guaranteed and are determined at least annually and may be adjusted more frequently than annually based on a series of factors including but not limited to market conditions, investment outlook, expenses, policy persistency, claims experience, and FWD's investment return. The actual amount payable may change anytime, with the values being higher or lower than those illustrated. Under some circumstances, the non-guaranteed benefits may be zero.
  4. Any amount withdrawn will be taken from the accumulated annual dividends2 and interest5 (if any). If there is not enough value in the accumulated annual dividends2 and interest5 (if any), the withdrawal will be taken from the guaranteed cash value and special bonus3 (if any) as a partial surrender. From the date of partial surrender, guaranteed cash value, death benefit, annual dividend2 (if any) and special bonus3 (if any) will also be reduced accordingly.
  5. The interest rate with FWD is not guaranteed. The interest rate is determined by FWD from time to time at its absolute discretion.
  6. After you have held the policy for 15 years or after the premium payment term, whichever is later, you can choose to convert some of the guaranteed cash value and special bonus3(if any) to annual dividends2 by way of partial surrender. Once it is converted to annual dividends2, it will form part of annual dividends2, FWD will pay the same rate of interest 5on it as FWD pays on the accumulated annual dividends2. You can exercise the value conversion option once per policy year. From the date of partial surrender, the subsequent guaranteed cash value, death benefit, annual dividend 2 (if any) and special bonus3 (if any) will also be reduced accordingly.
  7. Premium prepayment can be deposited to the premium deposit account. To make such application, a completed and signed prescribed form should be submitted to FWD. The form can be obtained from your advisor or from FWD. Please refer to your advisor or FWD for more information of the premium deposit account.

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