Building Wealth For Generations

MaxFocus Signature Insurance Plan

helps you pass on your love and preserve wealth until the new insured reaches age 1231. The plan offers you the change of insured option2 for unlimited time to pass your legacy through generations, letting you or your loved ones to enjoy a happy and carefree life.

Know More

3 Reasons To Buy

Understand Your Savings Needs

Education Fund for Children

Retirement Plan

Pass on Wealth

Want to know more?
* Mandatory

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.


By submitting this form, 
  • I have read and understood the Personal Information Collection Statement and agree to be bound by it. 
  • I understand that my personal data collected by FWD Life Insurance Company (Bermuda) Limited (“FWD Life”) will be used to provide further services in relation to this form.
  1. Age is based on the next birthday age and the policy term to age 123 is referring to the 123rd birthday of the Initial Insured at the policy inception.
  2. After the end of 2nd Policy Year and the insured is alive, you can apply in writing to change the Insured. Any change to the Insured must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. Any change of the Insured will not have any effect on the Notional Amount9, Total Cash Value, Guaranteed Cash Value, Special Bonus6 (if any), Annual Dividend6 and interest7 (if any) or Policy Years. You may need to have (but not limited to) the authorization of policy owner when applying this option. The age of new proposed Insured should fulfill the issue age requirement, i.e. age 1-75 (2 years and 5 years premium payment term) or age 1-70 (10 years premium payment term). The new Insured must have an insurable interest with the policy owner. All riders (if any) will be cancelled after Insured is changed and no riders can be attached afterwards.
  3. You may apply in writing to nominate the Contingent Insured at any time if the Policy is in effect and the Insured is alive. Any nomination of the Contingent Insured must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The age of the Contingent Insured at application should fulfill the issue age requirement. Only one person can be named as the Contingent Insured each time. The Contingent Insured must have an insurable interest with the Policy Owner. Upon the death of the Insured, the Contingent Insured will become the Insured provided that the Policy has been in effect for over 2 policy years, and subject to FWD’s approval based on relevant policies and procedures as determined in FWD’s sole discretion from time to time. The Contingent Insured should be alive and fulfill the issue age requirement and have an insurable interest with the Policy Owner upon FWD’s approval. Any rider(s) attached to this Policy will be terminated at the time of change of Insured.
  4. After the 15th Policy Anniversary, you can apply for the Regular Withdrawal Services by written application. When the application is approved, the selected withdrawal amount will be directly credited to the assigned account. Any amount withdrawn will be taken from the accumulated Annual Dividends6 and interest7 (if any). If there is not enough value in the accumulated Annual Dividends6 and interest7 (if any), the withdrawal will be taken from the Guaranteed Cash Value and Special Bonus (if any) as a partial surrender and the Notional Amount9 will be reduced. The Guaranteed Cash Value, future non-guaranteed Annual Dividend6 and Special Bonus6, as well as your Death Benefit, will be reduced accordingly.
  5. After you have held the policy for 15 years, you can choose to exercise Value Conversion Option once per policy year. When exercising this option, the Policy will be partially surrendered and the Notional Amount9 will be reduced. The Guaranteed Cash Value, future non-guaranteed Annual Dividend6 and Special Bonus6, as well as your Death Benefit, will be reduced accordingly. As a result of partial surrender, the relevant proportion of the Guaranteed Cash Value and Special Bonus6 (determined as at the date of approval of the partial surrender), less any policy debts (for example, outstanding policy loan with interest) will be transferred to accumulated Annual Dividend6 and to earn interest7. The interest rate is not guaranteed and is determined by FWD from time to time at its absolute discretion. The reduced Notional Amount9 shall be greater than the minimum amount prescribed by FWD.
  6. The Annual Dividend (if any) and Special Bonus (if any) are 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 Special Bonus will be payable from the 3rd policy anniversary upon the death of the Insured (only applicable when Guaranteed Cash Value plus Special Bonus (if any) is higher than 105% of total premiums paid), partial surrender of the Policy (including using the regular withdrawal services and exercising the value conversion option), 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 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.
  7. The interest rate with FWD is not guaranteed. The interest rate is determined by FWD from time to time at its absolute discretion.
  8. Medical examination is generally not required for new policy application if the total notional amount 9 does not exceed the aggregate per life limit set by FWD subject to FWD’s prevailing rules and regulation. Normal underwriting and additional premium are required for any rider(s) attached to this Policy.
  9. Notional amount of Product is used to calculate premium, Guaranteed Cash Value, Annual Dividend6 and Special Bonus6 of this Product. In case the notional amount of this Product is reduced while this Policy is in force, Guaranteed Cash Value and Death Benefit will be reduced accordingly. FWD will also determine any subsequent Annual Dividends6 (if any) and Special Bonus6 (if any), based on the reduced notional amount. Notional amount of this Product is not related to Death Benefit and will not be paid upon the death of the Insured.

Find out more

24-hour Service Hotline 3123 3123 OR

CONTACT US