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 Insurance Plan is here to celebrate these little joys of life with you. By paying a one-time premium, you can achieve your financial goals with ease and enjoy the life protection. You can also exercise value conversion option1 to preserve your wealth or make withdrawals2 to go after your dreams.

Turn your dreams into achievable milestones with Wealth ICON Insurance Plan now.

3 Reasons To Buy

Other Features

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 General Insurance Company Limited will be used to provide further services in relation to this form.
  1. From the 15th policy anniversary, you can apply for value conversion option and reduce the notional amount8 by way of partially surrender the policy value. The value conversion option can be exercised once per policy year. Partial surrender will lead to a reduction of your notional amount8 and your guaranteed cash value and death benefit will be reduced accordingly. FWD Life Insurance Company (Bermuda) Limited (“FWD”) will also determine any subsequent annual dividend4 and special bonus5, based on the reduced notional amount8 from the date of the partial surrender. The reduced notional amount8 has to be greater than the minimum amount prescribed by FWD.
  2. Any amount withdrawn will be taken from the accumulated annual dividends4 and interest6 (if any). If there is not enough value in the accumulated annual dividends4 and interest6 (if any), the withdrawal will be taken from the guaranteed cash value and special bonus5 (if any) as a partial surrender. Partial surrender will lead to a reduction of your notional amount8 and your guaranteed cash value, and death benefit will be reduced accordingly. We will also determine any subsequent annual dividend4 and special bonus5, based on the reduced notional amount8 from the date of the partial surrender. The reduced notional amount8 has to be greater than the minimum amount prescribed by FWD.
  3. From the 15th policy anniversary, you can apply for the regular withdrawal services by submitting written application. 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 dividends4 and interest6 (if any). If there is not enough value in the accumulated annual dividends4 and interest6 (if any), the withdrawal will be taken from the guaranteed cash value and special bonus5 (if any) as a partial surrender. Partial surrender will lead to a reduction of your notional amount8 and your guaranteed cash value and death benefit will be reduced accordingly. FWD will also determine any subsequent annual dividend4 and special bonus5, based on the reduced notional amount8 from the date of the partial surrender. Regular withdrawal service will cease if the notional amount8 is below minimum notional amount8 after the withdrawal, the policy owner is changed or the policy is assigned, two consecutively unsuccessful payments made to the account provided in the application form, the regular withdrawal service have been cancelled by the policy owner, the policy is terminated or failure to provide living proof of the policy owner and the insured upon request by us.
  4. Annual dividend, which is not guaranteed, will be payable annually from the 3rd policy anniversary. The annual dividend (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.
  5. Special bonus, which is not guaranteed, will be payable from the 3rd policy anniversary under the policy upon the death of the Insured if guaranteed cash value plus special bonus (if any) is greater than 105% of 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. 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.
  6. The interest rate with FWD is not guaranteed. The interest rate is determined by FWD from time to time at its absolute discretion.
  7. No medical examination is required for new policy application if the insured issue age and total notional amount8 does not exceed the aggregate per life limit set by the FWD subject to the FWD’s prevailing rules and regulation.
  8. Notional amount of the Wealth ICON Insurance Plan is used to calculate the single premium, guaranteed cash value, annual dividend4 and special bonus5. In case the notional amount of the Wealth ICON Insurance Plan 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 dividends4 (if any) and special bonus5 (if any), based on the reduced notional amount. Notional amount of the Wealth ICON Insurance Plan is not death benefit and will not be paid upon the death of the insured. For details of the death benefit, please refer to the policy provisions.

Find out more

24-hour Service Hotline 3123 3123 OR

LIVE CHAT