Fuel up your savings for generations

MaxFocus Supreme Savings Insurance Plan

helps you pass on your love and preserve your wealth until you reach age 123. The plan also offers you the change of insured option4 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 and Home Purchase

Retirement Plan

Pass on Wealth

Protect your children's future8

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
Withdraws2 US $ 35,000 every year for 4 years to study abroad 
Withdraws US$ 140,0007 in 4 years
14 Years Later
Kathy
Withdraws for mortgage down payment
Withdraws US$ 150,0007
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 life8

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
Withdraws2 stable income for retirement for 26 years, and changes the insured to be his son4
Withdraws a total US$ 1,387,9097,8for 26 years by withdrawing7US$ 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 Love8

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 withdraws2 a retirement fund of US$30,0007 every year for 21 years.  She also changes the insured4 to be her son Peter (age 30) 
Withdraws US$ 630,000in 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 withdraws2 US$73,0007every year for 26 years. She also changes the insured to be his daughter Susan (age 301)
Withdraws US$ 1,898,0007in 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$ 10,523,1455,9.
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 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 Dividends5 (if any) and interest11 (if any). If there is not enough value in the accumulated Annual Dividends5 (if any) and interest11 (if any), the withdrawal will be taken from the Guaranteed Cash Value and Special Bonus5 (if any) as a partial surrender. As a result, the notional amount10 may be reduced.
  3. After the 15th policy anniversary, you can partially lock-in the policy value of the MaxFocus Supreme Savings Insurance Plan by reducing the notional amount10with the application of the Value Conversion Option. As a result of reducing the notional amount10, the relevant proportion of the Guaranteed Cash Value and Special Bonus5 (determined as at the date of approval of the reduced notional amount10), if any, less policy debts (if any, for example, unpaid premiums or loan and the interest of the loan) will be realized and accumulated as interest11 (if any) with your annual dividend5 (if any). The reduced Notional Amount10 has to be greater than the minimum amount prescribed by the Company. The Value Conversion Option can be exercised once per policy year.
  4. After the Policy’s Premium Payment Terms and the insured is alive, you can apply in writing to change the Insured which will not have any effect on the Notional Amount10, Total Cash Value, Guaranteed Cash Value, Special Bonus5 (if any), Annual Dividend5 (if any) and interest11 (if any), Maturity Date or Policy Years. You may need to submit the application with consents received from, but not limited to, the Insured, the Policy Owner and all of the Beneficiaries (if any). The age of new proposed Insured1 should be 1 - 65 at application and cannot be more than 5 years older than the Initial Insured. All riders (if any) will be cancelled after Insured is changed and no riders can be attached afterwards.
  5. The Annual Dividend (if any) and Special Bonus (if any) are based on the Company’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 the Company’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 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 Annual Dividend (if any) and Special Bonus (if any) payable may change anytime, with the values being higher or lower than those illustrated. Under some circumstances, the non-guaranteed benefits may be zero.
  6. No medical examination is required for new policy application if the total notional amount10 does not exceed the aggregate per life limit set by the Company subject to the Company’s prevailing rules and regulation. Normal underwriting and additional premium are required for any rider(s) attached to this Policy.
  7. 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 interest11(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 Amount10the 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.
  8. It is assumed the non-guaranteed Annual Dividends5 (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.
  9. Maturity Benefit is the sum of Guaranteed Cash Value (if any), accumulated Annual Dividends5 (if any) and interest11 (if any), and Special Bonus5 (if any) less policy debts (if any, for example, unpaid premiums or loan and the interest11of the loan).
  10. Notional amount of the MaxFocus Supreme Savings Insurance Plan is used to calculate premium, Guaranteed Cash Value, Annual Dividend5 (if any) and Special Bonus5 (if any) of the MaxFocus Supreme Savings Insurance Plan. In case the notional amount of the MaxFocus Supreme Savings Insurance Plan is reduced while this Policy is in force, these benefits payable will also be reduced. Notional amount of the MaxFocus Supreme Savings Insurance Plan is not related to Death Benefit and will not be paid upon the death of the Insured.
  11. The interest rate is not guaranteed and is determined by the Company from time to time at its absolute discretion.

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