Building Wealth For Generations

Savings is the key to achieve your life goals. However, while you are accumulating wealth, how can you provide it with potential growth? While personal investment is one way to build wealth, due to a number of factors such as market cycle, investment knowledge and experience,  investment performance may be below expectations. MaxFocus Signature Insurance Plan offers you a simple solution to provide potential growth of wealth.



3 Reasons To Buy

Understand Your Savings Needs

Education Fund for Children

Retirement Plan

Pass on Wealth

Other Features

Learn more about
Product features of MaxFocus
Signature Insurance Plan

Case Study- Education fund

Case Study – Retirement planning

Case Study - Legacy

  1. To make application for a deposit to the Premium Deposit Account, a completed and signed prescribed form should be submitted to FWD. The form can be obtained from your Advisor or from FWD. Please refer to your Advisor or FWD for more information of the Premium Deposit Account.
  2. Upon the expiry of premium payment term, you can apply for the Regular Withdrawal Service by written application. When the application is approved, the selected withdrawal amount will be directly credited to the designated account. Any amount withdrawn will be taken from the accumulated Annual Dividends and interest (if any). If there is not enough value in the accumulated Annual Dividends and interest (if any), the withdrawal will be taken from the Guaranteed Cash Value and Special Bonus (if any) as a partial surrender and the Notional Amount will be reduced. The Guaranteed Cash Value, future non-guaranteed Annual Dividend and Special Bonus, as well as your Death Benefit, will be reduced accordingly. We will terminate the Regular Withdrawal Service if the Notional Amount after the withdrawal is below the minimum amount prescribed by FWD. In addition, if you exercise the Regular Withdrawal Service in early policy years, the amount withdrawn together with the policy values remained in the policy may be considerably less than the total amount of the premiums you paid.
  3. After the end of 1st policy year and the Insured is alive, you can apply in writing to change the Insured. Any change to the Insured must fulfi¬ll FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. Any change of the Insured will not have any effect on the Notional Amount, Total Cash Value, Guaranteed Cash Value, Special Bonus (if any), Annual Dividend and interest (if any) or policy years. The age of new proposed Insured should fulfill the issue age requirement, i.e. age 1-75 (2 years and 5 years premium payment terms) or age 1-70 (10 years premium payment term). The new Insured must have an insurable interest with the Policy Owner. All riders (if any) will be cancelled after Insured is changed and no riders can be attached afterwards.
  4. Age is based on age next birthday and the policy term to age 138 is referring to the 138th birthday of (i) the initial Insured or (ii) the latest Insured if the initial Insured is changed.
  5. Any nomination of the Contingent Insured must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The age of the Contingent Insured at application should fulfill the issue age requirement. Only one person can be named as the Contingent Insured each time. The Contingent Insured must have an insurable interest with the Policy Owner. Upon the death of the Insured, the Contingent Insured will become the Insured provided that the Policy has been in effect for over 1 policy year, and subject to FWD’s approval based on relevant policies and procedures as determined in FWD’s sole discretion from time to time. The Contingent Insured should be alive and fulfill the issue age requirement and have an insurable interest with the Policy Owner upon FWD’s approval. All riders (if any) will be cancelled after Insured is changed and no riders can be attached afterwards.
  6. Any nomination of the Contingent Policy Owner must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The age of the Contingent Policy Owner at application should be higher than the minimum age FWD accepted. Only one person can be named as the Contingent Policy Owner each time. Upon the death of the initial Policy Owner, the Contingent Policy Owner will become the Policy Owner subject to FWD’s approval based on relevant policies and procedures as determined in FWD’s sole discretion from time to time and that the Contingent Policy Owner is alive.
  7. Notional amount of Product is used to calculate premium, Guaranteed Cash Value, Annual Dividend6 and Special Bonus6 of this Product. In case the notional amount of this Product 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 Dividends6 (if any) and Special Bonus6 (if any), based on the reduced notional amount. Notional amount of this Product is not related to Death Benefit and will not be paid upon the death of the Insured.

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