Fuel up your wealth for generations

MaxFocus Supreme Savings 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.

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3 Reasons To Buy

Apply now to enjoy up to 1-month premium rebate and
extra protection of up to a sum of HK$5 Billion.

Promotion Period: 16 July to 30 September 2018

Understand Your Savings Needs

Education and Home Purchase

Retirement Plan

Pass on Wealth

Protect your children's future10

Policyholder: Mr. Chan
Initial Insured: Daughter, Kathy (age 11)

Annual Premium
US$ 20,000
Premium Payment Term
5 years

Total premiums paid for 5 years US$ 100,000

Kathy
Withdraws5 US $ 35,000 every year for 4 years to study abroad 
Withdraws US$ 140,00011 in 4 years
14 Years Later
Kathy
Withdraws for mortgage down payment
Withdraws US$ 150,00011
The above case, ­figures and remarks are hypothetical to illustrate the MaxFocus Supreme Savings Insurance Plan and for reference only. Please refer to the Product Brochure and Policy Provision for detailed terms and conditions of the Plan.

Enjoy a hassle-free life10

Policyholder: Mr. Wong
Initial Insured: Mr. Wong (age: 401)

Annual Premium
US$ 20,000
Premium Payment Term
10 years

Total premiums paid for 10 years US$ 250,000

Mr. Wong
Withdraws5 stable income for retirement for 26 years, and changes the insured to be his son2
Withdraws a total US$ 1,387,90911for 26 years by withdrawing11US$ 36,000 for the first year, with an annual inflation increment of 3%
25 Years Later
Mr. Wong
Transfers the ownership of the policy to his son

The above case, ­figures and remarks are hypothetical to illustrate the MaxFocus Supreme Savings Insurance Plan and for reference only. Please refer to the Product Brochure and Policy Provision for detailed terms and conditions of the Plan.

Pass on Love10

Policyholder: Jackie
Initial Insured: Jackie (age: 301)

Annual Premium
US$ 20,000
Premium Payment Term
5 years

Total premium paid for 5 years US$ 100,000

Jackie
Jackie decides to retire and withdraws5 a retirement fund of US$30,00011 every year for 21 years.  She also changes the insured2 to be her son Peter (age 30 1
Withdraws US$ 630,00011 in 21 years
20 Years Later
Jackie
Transfers the ownership of the policy to

Peter (age 501)

10 Years Later
Peter
(Jackie Age 951)
Peter decides to starts his retirement life early and withdraws5 US$73,00011every year for 26 years. She also changes the insured 2 to be his daughter Susan (age 301)
Withdraws US$ 1,898,00011 in 26 years
25 Years Later
Peter

(Jackie Age 1231)

Peter changes the policy owner to be his daughter Susan (age 551)
Until policy maturity date (93th year of the policy and Jackie reached her 123rd birthday), projected total cash value will be USD$ 11,653,43677,12.
The above case, ­figures and remarks are hypothetical to illustrate the MaxFocus Supreme Savings Insurance Plan and for reference only. Please refer to the Product Brochure and Policy Provision for detailed terms and conditions of the Plan.
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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.


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 which will not have any effect on the Notional Amount7, Total Cash Value, Guaranteed Cash Value, Special Bonus, Annual Dividend2 and interest5 (if any) or Policy Years. The age of new proposed Insured should be 1-65 at application and cannot be more than 5 years older than the Initial Insured. 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. Compared with the major insurance companies in Hong Kong on 7 May 2018, FWD Life Insurance Company (Bermuda) Limited (“FWD”) MaxFocus Supreme Savings Insurance Plan is the only plan with the Contingent Insured Arrangement.
  4. 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 Contingent Insured should be Age 1-65 (next birthday) at application and cannot be more than 5 years older than the Initial Insured. Only one individual person can be named as the Contingent Insured each time. FWD will not accept any request to nominate more than one person as the Contingent Insured. The new 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 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 and that the Contingent Insured is alive upon FWD’s approval. Any rider(s) attached to this Policy will be terminated at the time of change of Insured. If the death of Insured occurs before the Maturity Date while this policy is in force and does not have a Contingent Insured assigned, FWD will pay the Death Benefit to the beneficiary and the policy will be terminated.
  5. After the 15th Policy Anniversary, you can apply for the Regular Withdrawal Services. When the application is approved, the selected withdrawal amount will be directly debited to the assigned account. 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 interest 5(if any), the withdrawal will be taken from the Guaranteed Cash Value and Special Bonus2 (if any) as a partial surrender. As a result, the notional amount7 may be reduced.
  6. From the 15th policy anniversary, you can partially transfer the policy value of the MaxFocus Supreme to Accumulated Annual Dividends2 (if any) and retain it to earn interest5 by reducing the notional amount7 with the application of the Value Conversion Option. The Value Conversion Option can be exercised once per policy year. As a result of reducing the notional amount7, the relevant proportion of the Guaranteed Cash Value and Special Bonus2(determined as at the date of approval of the reduced notional amount7), if any, less policy debts (if any, for example, unpaid premiums or loan and the interest of the loan) will be transferred to accumulated Annual Dividend2 and retain it to earn interest5 (if any). The reduced Notional Amount7 has to be greater than the minimum amount prescribed by FWD.
  7. 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 (if any) will be payable under the Policy upon the death of the Insured, partial surrender of the Policy, making regular withdrawal 10 exercising the value conversion option3, 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.
  8. The interest rate with FWD is not guaranteed. The interest rate is determined by FWD from time to time at its absolute discretion.
  9. Medical examination is generally not required for new policy application if the total notional amount 7 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.
  10. It is assumed the non-guaranteed Annual Dividends 5(if any) is accumulated with interest in the Company on the above examples. The current interest rate of 4.00% p.a. is used to illustrate the effect of accumulation and is based on the non-guaranteed Annual Dividends5 (if any) and the accumulation interest rate of those policies in US dollars.
  11. The above withdrawal is cased out at the end of the policy year and the withdrawal proceed is not retained in the Policy. The withdrawal will be made from the accumulated Annual Dividends5 (if any) and interest11 (if any). If the withdrawal amount exceeds the balance of the accumulated Annual Dividends5 (if any) and interest 11 (if any), it will be deducted from the Guaranteed Cash Value (if any) and the Special Bonus5 (if any) by means of reducing Notional Amount10. As a result of reducing the Notional Amount10 the relevant proportion of the Guaranteed Cash Value (if any), Annual Dividend5 (if any) and Special Bonus5 (if any) will be reduced. Therefore, the death benefit as well as the total cash value payable upon policy termination will be reduced once the withdrawal is made. The minimum Notional Amount10 of MaxFocus Supreme Savings Insurance Plan is USD 30,000 / HKD 240,000.
  12. Maturity Benefit is the sum of Guaranteed Cash Value (if any), accumulated Annual Dividends5 (if any) and interest 11 (if any), and Special Bonus5 (if any) less policy debts (if any, for example, unpaid premiums or loan and the interest11 of the loan).
  13. Notional amount of the this Product is used to calculate premium, Guaranteed Cash Value, Annual Dividend2 and Special Bonus2of 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 Dividends2 (if any) and Special Bonus2 (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.

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