Savings & Term life Insurance Combo

^Based on a comparison conducted by FWD in August 2026 on 3-year short-term savings insurance plans offered by major insurance companies in Hong Kong, using a total premium at original price of HK$100,000 as the basis of comparison, Fast Fortune Insurance Plan is the only plan offering a guaranteed return of up to 4.40% p.a..

⁺This Plan is offered for a limited period and on a limited quota basis, and its availability is at the discretion of FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD”). FWD reserves the right to decline applications for this Plan with a full refund of any premium paid and any insurance levy paid without interest.

**From now till September 30, 2026, the 3-year guaranteed maturity return will be 4% p.a. after enjoying the additional first year 6.2% premium discount if you choose to pay your premiums by prepay option (paying a lump sum with 1st year premium and a prepayment amount for the 2nd year premium upon policy application), which is equivalent to 112.4% of the total premium amount paid. If you choose to pay premiums annually, you can lock in a guaranteed maturity return of 3.5% p.a. for 3 years, which is equivalent to 109.0% of the total premium paid.

If you successfully applied for Fast Fortune Insurance Plan ("Fast Fortune") and MyTerm Plus under the "Savings & Term Life Combo" offer, and pay your premiums by prepay option (paying a lump sum with 1st year premium and a prepayment amount for the 2nd year premium upon policy application), can enjoy an additional 8.4% first-year premium discount on Fast Fortune. The plan offers a 3-year guaranteed maturity return with an annualized guaranteed return rate of 4.4%, equivalent to 113.7% of the total premium amount paid after the premium discount. For each application under the “Savings & Term Life Combo” offer, the original total premium of Fast Fortune is capped at HK$100,000. Each customer may enjoy this offer a maximum of two times, subject to the applicable terms and conditions.

1. While MyTerm Plus is in effect and the Insured’s advent of death is highly likely within twelve (12) months as certified by a Registered Medical Specialist and is accepted by FWD Life, FWD Life will pay the Advanced Death Benefit to the Policy Owner. The maximum advanced death benefit payable per insured under all policies issued by us is HK$16,000,000. Upon payment of such benefit to the policy owner, the sum insured and the premiums will be reduced accordingly. If the sum insured becomes zero upon payment of the advanced death benefit, the basic plan (and the Life Celebration Booster, if any) will terminate. Advanced death benefit is not applicable under specific circumstances. Please refer to the exclusions section and policy provisions for details.

2. Total premium amount paid refers to the sum of first year premium and prepayment amount for next year.

3. This illustration assumes that the premium remains the same throughout the policy term as the level premium applicable during the first 10 policy years. In practice, this plan is renewable every 10 years, and premiums will be adjusted at each renewal based on the applicable premium rates then in effect. This assumption is adopted for illustration purposes only to simplify the calculation.

4. MyTerm Plus offers a Life Celebration Booster Option that allows you to top up your coverage when the insured reaches important milestones, such as marriage, the birth of child etc., on or before insured’s age 55 (age next birthday) without the requirement of evidence of insurability, helping you to plan for the future. Life Celebration Booster Option subjects to FWD Life’s applicable rules and procedures, please refer to the policy provisions for details.

Important Reminder: 

The “Savings & Term Life Combo” offer is only applicable when the (1) designated Short-Term Savings Insurance Plan and (2) designated Term Life Insurance Plan are successfully applied for and maintained concurrently. Please keep both policies in full force and effect during the first three policy years to be eligible for the Promotional Discounts. Otherwise, FWD Life reserves the right to cease applying the Promotional Discounts or apply a lower discount rate, which may result in a reduction in the relevant policy value, policy benefits and/or amounts payable. The term life insurance plan is designed to provide ongoing life protection. Policyholders should keep the policy in force according to their protection needs in order to continue enjoying the coverage provided under the plan.

Maximum 2 Savings & Term Life Combo application per customer.

The maximum notional amount of Fast Fortune Insurance Plan for online applications is US$68,123 per insured. You may apply for more than one policy of this Plan via different distribution channels (if any) while the aggregate of the maximum notional amount (per product (meaning Easy Fortune series, Easy WealthPlus series and Fast Fortune Insurance Plan) per insured) should be US$70,000 (age 1 (15 days) – 80). The age refers to the age of the insured on his or her next birthday.

For the MyTerm Term Protection series, the maximum sum insured per insured is HK$8,000,000 (for issue ages 19 to 51, age next birthday) and HK$3,500,000 (for issue ages 52 to 66, age next birthday).