Welcome to FWD's Website! Please read the following terms and conditions carefully. By accessing this website and any pages, you are agreeing to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, please do not access this website, or any pages thereof.

Copyright : All Rights Reserved

Unless otherwise indicated, copyright of all materials and contents found on this website is owned by FWD Life Insurance Company (Bermuda) Limited, FWD General Insurance Company Limited, FWD Life Insurance Company (Macau) Limited, FWD Pension Trust Limited and FWD Financial Planning Limited (hereinafter referred to as "the Company") unless otherwise indicated.


All trademarks, logos and service marks displayed on this website are protected and users are prohibited from using the same without written permission of the Company or the owners of the relevant trademarks, logos and service marks, as the case may be.

The materials on this website are protected by copyright and no part of such materials can be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company's prior written consent.

Use of Information and Materials

The information and materials contained in these pages (including the terms, conditions, and descriptions that appear) are subject to change.

Products and services referred to in this website are only offered in jurisdiction where and when they may be lawfully offered by the Company. The materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to observe any relevant restrictions.

These pages should not be regarded as an offer or solicitation to sell any products or services in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.

Persons accessing these pages are advised to obtain appropriate professional advice based on their own needs for any particular product or service contained in these pages.

No Warranty

The information and materials contained in this website, including text, graphics, links or other items are provided "as is", "as available". The Company does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will the Company be liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any parties, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if the Company, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are used at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by the Company.

Submission of Information

All information submitted to the Company via this website shall be deemed and remain the property of the Company and the Company shall be free to use, for any purposes, any ideas, concepts, know-how or techniques contained in information provided by a visitor to the Company through this website. The Company shall not be subject to any obligations of confidentiality regarding submitted information except as agreed with the Company having the direct customer relationship or as otherwise specifically agreed or required by law.

Internet Communications

Messages sent over the Internet cannot be guaranteed to be completely secure. The Company will not be responsible for any damages incurred by users if they send a message to the Company, or if the Company sends a message to them upon their request, over the Internet. The Company is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.

Communications over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.

Internet Privacy Policy Statement and Personal Data Protection Policy and Practices

The Company will not collect any personal information that identifies a visitor to this website unless specified otherwise. Your visit to this website will record only the Domain Name Server part of your email address and of the pages visited. Such information will be used to prepare aggregate information about the number of visitors to the website and general statistics on usage patterns of the website.

The Company is committed to the implementation and compliance with the provisions of the Personal Data (Privacy) Ordinance at all times. For details of the Personal Data Protection Policy and Practices of the Company, please visit: