This is our flexible universal life insurance plan that makes your money work harder. It provides guaranteed minimum crediting interest rates of 2.3% per annum throughout the policy term. We also build in the flexible premium structure.
With a guaranteed minimum crediting interest rate of 2.30% p.a., you can grow your wealth.
You can top-up your savings with subsequent premiums, or flexibility to make partial withdrawal.
If you expect the additional need of life insurance protection in the future, you can apply for the pre-underwriting option and undergo medical underwriting in advance based on the total sum insured determined by you. This gives you plenty of flexibility on your future planning should circumstances change.
The product information here is for reference only and doesn’t contain the full terms and conditions, key product risks and exclusions. For more details and key product risks, please refer to the product brochure. For the exact terms and conditions and a full list of exclusions, please refer to the policy provisions of the plan. In case you want to read the terms and conditions of the policy provisions before making an application, you can obtain a copy from FWD.
This product is underwritten by FWD Life Insurance Company (Macau) Limited (“FWD”).
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