desktop imagemobile image

Savings Insurance

Easy WealthPlus Endowment Plan

[Limited offer¹] Lock in an 8-year guaranteed return of 4.53% p.a. Move beyond the fear of the coming of rate-cut cycle.






Estimated maturity value (after 8 years) will be rounded up to the nearest integer in USD and premium will be adjusted accordingly.
Payment methods:
Online banking
Available banks

Choose a plan to view illustration summary

Have a promo code?

Payment methods:
Online banking
Available banks

All premiums are calculated on standard rates and this quote is for reference only. The actual premium to be paid includes an insurance levy, which we’re obliged to collect for the Insurance Authority.

Before proceeding, please confirm you understand this product’s features and that it fits your need(s).

Easy WealthPlus offers “10 out of 10” guarantee!
  • Move beyond the fear of the interest rate fluctuation, continue to have 100% guaranteed return
  • Lock in an 8-year guaranteed return of up to 4.53% p.a.*, your reliable savings choice

*Easy WealthPlus Endowment Plan offers a guaranteed return of 4% p.a. The 8-year guaranteed return will be up to 4.53% p.a. after enjoying the additional 4% premium discount during the promotional period.

FWD Easy WealthPlus is a short term savings insurance (USD) product awarded 10 out of 10 by the online insurance comparison platform, 10Life. 10Life assigns the rating based on the public information shared by insurance companies. For more details, please refer to the 10Life website. The information provided is based on the data from the 10Life website which has not been independently verified by FWD Life. FWD Life makes no representations or warranties and accepts no responsibility or liability as to the accuracy, completeness or fitness for any particular purpose of the information. FWD Life shall not be responsible or liable for any loss or damages arising from the use of or reliance on such information.

[Limited Time Offer] Lock in an 8-year guaranteed return of up to 4.53% p.a.

Limited time offer

From now till 31 July 2024, by taking out Easy WealthPlus Endowment Plan, with a premium discount of 4%, allowing you to lock in an 8-year guaranteed return of up to 4.53% p.a. after discount, which is equivalent to 142.5% of the single premiums paid!
Terms and Conditions

How to continue enjoying high interest income?

No one has a crystal ball to foresee the time of rate hikes or rate cuts.

FWD Easy WealthPlus Endowment Plan (“Easy WealthPlus”) is a savings plan, supporting your medium-term goals by locking in an 8-year interest income of up to 4.0% p.a. with a single premium payment.

Interest rate chart

Combination of savings (100% guaranteed), life protection and continuous policy extension functions in one plan.

If the insured passes away during the benefit term, the death benefit will be payable. Besides, the plan also provides different options for continuous policy extension.


Life protection

Policy continuation

Who needs medium-term savings insurance?

High-interest hunters

High-interest hunters

Hope to enjoy high interest rates in order to safeguard a steady income.
Investors with low-risk appetite

Investors with low-risk appetite

Hope to protect the savings in order to withstand the unpredictable market conditions.
No.1 Parents

No.1 Parents

Hope to accumulate wealth steadily in order to plan for the future of your beloved children.


No immediate need for liquidity and hope to achieve capital preservation and accumulation at the same time through a stable savings insurance.

Why Easy WealthPlus?

Lock in guaranteed return

Lock in an 8-year guaranteed return of up to 4% p.a.

Combination of savings (100% guaranteed), life protection and continuous policy extension functions in one plan


100% guaranteed return of up to 4% p.a.

Life protection

Death Benefit7 = higher of 105% of the single premium paid or guaranteed cash value

Continuous policy extension

Unlimited times for change of insured

Nomination of contingent insured and contingent policy owner

Easy and fast online application

From quotation to premium payment via online banking, the entire process can be completed online, allowing you to complete the application promptly.

FWD strong foundation offers you confidence


Top 1 online and direct platform new business case count in Hong Kong2


Over HK$ 100 billion in total asset size3

General information

Issue age (age next birthday)

19 - 65

Premium payment term

Single premium

Benefit term

8 years

Policy currency


Minimum notional amount10

US$8,554 (per policy)

Maximum notional amount10

US$68,428 (per product per insured)11

Minimum single premium

US$6,25015 (per policy)

Maximum single premium

US$50,00015 (per policy owner)

Easy WealthPlus Endowment Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD/We"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life (License No. FA2568).

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

Please make sure you are eligible for this product before applying:

• I (and the Insured person if applicable) am a permanent HKID card holder with a Hong Kong residential address.
• Currently in Hong Kong at the time of making this application.
• I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
• I am not a holder of the People’s Republic of China Resident Identity Card.

Note: Online applicants will be requested to visit FWD Insurance Solutions Centres under the following circumstances: 1) Collection of policy documents upon issuance of policy; 2) Cancellation of policy during the cooling-off period; 3) Change of beneficiary; or 4) Full surrender. Under specific circumstances, we may request online applicants to visit FWD Insurance Solutions Centres for identity verification.

Not exactly what you need?

If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.

Frequently asked questions of savings insurance