FWD Invest Flexi Elite

FWD Invest Flexi Elite is underwritten by FWD Singapore Pte. Ltd. (FWD), Reg. No. 200501737H, and is only available through our authorised distributors. There are certain conditions such as pre-existing conditions and exclusions, whereby no benefits will be payable. If you aren’t completely satisfied with your Policy, and you haven’t made a claim under it, you have 14 calendar days from the date you receive your Policy to cancel it. Please refer to the Policy contract for more details on the product benefits.

1. Terms and conditions apply to each bonus. Please refer to the product summary for more details.

2. Insurance charge may be applicable. Please refer to the product summary for more details.

3. This Contribution Bonus rate applies to policies from policy year 4 to policy year 10 for 10 years – (3 flexi) minimum investment term option, and policy year 6 to year 10 for 10 years – (5 flexi) minimum investment term option.

4. You can apply for the Involuntary Unemployment Benefit for a waiver of the premium shortfall charge at any time from policy year 3 onwards, subject to terms and conditions. Please refer to the product summary for more details.

5. Starting from policy year 3, you can apply for a waiver of the redemption fee when you withdraw from the initial units account following the occurrence of any of the specified life stage events during the minimum investment term. Each free partial withdrawal is capped at 10% of the initial units account value. The following are the specified life stage events:

• the person insured reaches the age of 21 or 65;
• the person insured or the person insured’s child or legal ward enrolls into tertiary education;
• a change in the marital status of the person insured, such as marriage, divorce or becoming widowed;
• the person insured becomes a parent by having a newborn child, or legally adopts a child;
• the person insured purchases a residential property; or
• the person insured is hospitalised.

This benefit can be exercised up to a maximum of 2 times.
Please refer to the product summary for more details.

6. Net premiums refer to the total regular premiums paid plus total top-up premiums, less total amount of withdrawals made.

7. The dividend distributions are not guaranteed and are determined by the relevant fund manager in its absolute discretion.

This website contains only general information, and does not have any regard to the specific investment objectives, financial situation and the particular needs of any specific person. All insurance applications are subject to FWD’s underwriting and acceptance. This does not constitute an offer to buy or sell an insurance product or service. Please refer to the exact terms and conditions, specific details and exclusions applicable in the policy documents that can be obtained from our authorised product distributor. You may wish to seek advice from a financial adviser representative for a financial analysis before purchasing a policy suitable to meet your needs. FWD Invest Flexi Elite is an investment-linked plan (ILP), which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the Units in the ILP sub-fund(s) and the income accruing to the Units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

As buying a life insurance policy is a long-term commitment, an early termination of the Policy usually involves high costs and the Surrender Value, if any, that is payable to you may be zero or less than the total premiums paid.

This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) website (www.lia.org.sg) or SDIC website (www.sdic.org.sg). Refer to policy contract for wordings.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 11 April 2025.