A smart key to fortune

Life is made up of milestones - your wedding, your first apartment, your child’s birth and even your retirement. Wealth ICON Supreme Insurance Plan is here to celebrate these little joys of life with you. By paying a single premium, you can achieve your savings and retirement goals with ease and enjoy the life protection. You can also enjoy the flexible cash withdrawal1 to make the goals you desire. Turn your dreams into achievable milestones with Wealth ICON Supreme Insurance Plan now.

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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 Service Hotline at +852 3123 3123.


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  • 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”) will be used to provide further services in relation to this form.
  1. If you exercise withdrawal in early policy years, the amount withdrawn together with the policy values remained in the policy may be considerably less than the total amount of premiums you paid.
  2. While the policy is inforce, annual dividend (if any) may be payable on each policy anniversary after policy owner has held the policy for 3 years. The options are available as a) Pay in cash or b) Retain in the policy to accumulate and earn interest (if any) (default option). The interest rate is not guaranteed and is determined by FWD Life Insurance Company (Bermuda) Limited (“FWD” or “We”) from time to time at its absolute discretion. Policy owner can withdraw the accumulated annual dividends and interest (if any) at anytime. Accumulated annual dividends and interest (if any) will be payable upon surrender of the policy, payment of death benefit or maturity of the policy. Please refer to the Product Brochure or the following website for dividend/ bonus declaration philosophy and investment strategy https://www.fwd.com.hk/en/regulatory-disclosures/dividend-bonus-declaration-philosophy/
  3. While the policy is inforce and policy owner has held the policy for 3 years, special bonus (if any) may be payable along with payment of death benefit (only applicable when guaranteed cash value plus special bonus (if any) is higher than 105% of the single premium paid), 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. (# Partial special bonus is payable in proportion to the reduction in notional amount caused by partial surrender (including using the regular withdrawal service and exercising the value conversion option). Please refer to the Product Brochure or the following website for dividend/ bonus declaration philosophy and investment strategy https://www.fwd.com.hk/en/regulatory-disclosures/dividend-bonus-declaration-philosophy/
  4. After holding the policy for 1 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 amount, guaranteed cash value, special bonus (if any), annual dividend and interest (if any) or policy years. The age of new proposed insured should fulfill the issue age requirement (age next birthday), i.e. age 1 (15 days) – age 80. The new proposed insured must have an insurable interest with the policy owner.
  5. Age is based on age next birthday.
  6. Policy owner can choose the death benefit settlement option for the payment of death benefit (in the form of a lump sum payment, regular installment (annually/monthly), or a mix of both) while the insured is alive and the policy is in effect, subject to FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The default payment option is lump-sum payment. For settlement option other than lump sum payment, the unpaid amount of death benefit will be deposited with FWD to accumulate non-guaranteed interest until the full amount of death benefit is paid to the beneficiary. The interest (if any) on unpaid balance of the death benefit will be accumulated and paid to the beneficiary in the last installment in lump sum. Such balance do not participate in the fund or benefit from its profit. Selection of death benefit settlement option is subject to current applicable rule and procedures and may change from time to time.
  7. 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 nomination should fulfill the issue age requirement, i.e. age 1 (15 days) – age 80. 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 nomination. Upon the death of the insured, the contingent insured will become the insured provided that the policy has been in effect for over 1 policy year, 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.
  8. After holding the policy for 1 year, you can apply for the regular withdrawal service by written application and provide us the information required at the time of application, subject to FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. When the application is approved, the selected withdrawal amount will be directly credited to the designated account. Any amount withdrawn will be taken from the accumulated annual dividends and interest (if any). If there is not enough value in the accumulated annual dividends and interest (if any), the withdrawal will be taken from the guaranteed cash value and special bonus (if any) as a partial surrender and the notional amount, guaranteed cash value and death benefit will be reduced. The single premium paid, future non-guaranteed annual dividend and special bonus, will be reduced accordingly based on the reduced notional amount. We will terminate the regular withdrawal service if the notional amount after the withdrawal is below the minimum amount prescribed by FWD. In addition, if you exercise the regular withdrawal service in early policy years, the amount withdrawn together with the policy values remained in the policy may be considerably less than the total amount of premiums you paid.
  9. After holding the policy for 15 years, you can apply for value conversion option and reduce the notional amount by way of partially surrender the policy value, subject to FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The value conversion option can be exercised once per policy year. Partial surrender will lead to a reduction of your notional amount and your guaranteed cash value and death benefit will be reduced accordingly. FWD will also determine the single premium paid, any subsequent annual dividend and special bonus, based on the reduced notional amount from the date of the partial surrender. The reduced notional amount has to be greater than the minimum amount prescribed by FWD.

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