Product

Propositions
Current solutions

Individual portfolio

Protection
Investment
Life Health

Peace Set for Health Set for Life All Set/All Set SIO All Set Higher US Dollar All Set
Higher

Set for Tomorrow Fight Plan

2
Traditional
products

2
Set for Health
Set for Health

Comprehensive plan with flexible Coverage of 15 minor critical

terms. illnesses.

Coverage of 42 major critical 100% death benefit shall be given

illnesses and allows claim 3 times on top of any critical illness
for unrelated critical illness. benefit paid.

Waiver of Premium Benefit upon Return of 100% of paid premium

first major critical illness should there be no claim for
diagnosis. major critical illness.
Basic features
Basic features and benefits
Minimum & Maximum
Set for Health Issue Ages
Sum Assured
5 PAY 15 days old – 60 years old Minimum Sum Assured:
10 PAY 15 days old – 55 years old PhP 500,000
Maximum Sum Assured:
20 PAY 15 days old – 45 years old PhP 4,000,000

Subject to applicable underwriting

guidelines.
The plan covers one (1) claim per critical illness, per group, with a spread of one (1) year from the
diagnosis of the preceding critical illness. The exception to this is Cancer, in which you can make another
Cancer claim, provided the Insured is Cancer-free for 5 years prior to the diagnosis of the second Cancer.
The benefit for a minor critical condition is paid only once, either from an adult condition or from a
juvenile condition.
Set for Health
Conditions for a valid Critical Illness claim
1. Each of the three (3) Major Critical Illness claims must belong to a different Major
Critical Illness Group (see groupings in previous section).
2. Survival period is 14 days from diagnosis date before benefit becomes payable.
3. Claim shall be subject to the waiting period of 90 days from effective date or date of
last reinstatement.
4. Diagnosis of subsequent critical illness should be at least one (1) year from the date of
diagnosis of the preceding critical illness.
5. A 2nd benefit under Cancer Group may be claimed provided that Insured is declared
cancer-free for at least five (5) years prior to diagnosis of the 2nd cancer.
6. No subsequent Major Critical Illness Benefit will be paid if a benefit due to Terminal
Illness or Loss of Independent Existence has been paid.
Set for Tomorrow
Set for Tomorrow
How it works
Minimum annual premium of
P21,000.
Choose to pay for Single pay, 5
Pay, 10 Pay or Regular Pay.
Funeral Benefit
10% of the Sum Assured up to
P100,000 will be advanced
within 48 hours to pay the cost
of funeral services.*
*to be deducted from the Life Insurance Coverage
100% of Sum Assured will be
advanced upon diagnosis of
Terminal Illness.
Additional 100% of the sum
assured will be given if both the
insured and the spouse died in
the same accident provided at
least one minor child survived.
Additional 20% of the sum
assured will be given if the
insured dies overseas.
Set for Tomorrow
From loan protection, to peace of mind during your prime working years, to
smoother wealth transition, Set for Tomorrow provides you a solution that is
suitable for your needs against unforeseen life risks.

1 Short Term Cover (5- & 10- Year Renewable and Convertible Plan)
• Takes care of your outstanding loans and obligations if you
become incapable of paying for it due to your untimely demise.

2 Income Protector (Term-to-age 55, 60, 65)

• Covers you during your prime working years which allows you
to fulfil your promise of providing for your family even when
the worst happens.

3 Estate Protector (Whole Life)

• Allows for a smooth transition of your wealth at later years.
Set for Tomorrow
Who can avail & how much?
Minimum Annual Premium Minimum Sum Assured
P21,000 P1,000,000
Plan Type Variant Minimum and Maximum Age
SHORT TERM 5 and 10 Year Age 18 – 70
COVER
To age 55 Single Pay, 5P and Regular Pay : Age 18 – 50
10 Pay : Age 18 – 45
To age 60 Single Pay, 5P and Regular Pay : Age 18 – 55
INCOME 10 Pay : Age 18 – 50
PROTECTOR
To age 65 Single Pay, 5P and Regular Pay : Age 18 – 60
10 Pay : Age 18 – 55
ESTATE PROTECTOR 5P and 10P : Age 18 – 60*
*Can be offered to ages 61-70 but without WOPI. Single Pay and Regular Pay : Age 18 – 70

DISTRIBUTION TRAINING I 2019 MAR 01

 Designed for:
• Individuals who are applying for a
mortgage or a short-term loan
• Entities with members falling under the
above and aims to cover for the loan
protection of these members

Key Features:
• Coverage for 5 and 10 years
• Can be renewed after 5 and 10 years
without underwriting and can change
the coverage after renewal subject to
terms and conditions
• Can be converted to a variable life plan
after 5 and 10 years without
underwriting, provided the coverage
remains the same.

DISTRIBUTION TRAINING I 2019 MAR 01

 Designed for:
• Breadwinners and individuals who are
working on their prime years and
whose families or beneficiaries are
highly dependent on their incomes
• Overseas Filipino Workers (OFWs)
• Clients who do not have any previous
exposure to insurance and who want
to avail one at minimum risk and cost

Key Features:
• Provides a guaranteed Life Insurance
Coverage until age 55, 60, or 65
• Premiums will be waived in case of
total and permanent disability due to
accident or diagnosis of a Critical
Illness
• Can be converted to a permanent plan

DISTRIBUTION TRAINING I 2019 MAR 01

 Designed for:
• Individuals who are focused on the
need to preserve their wealth such
as retirees and empty nesters

• Key Features:
• Provides a guaranteed Life Insurance
Coverage until age 120. Benefit is
also paid out if the client is alive by
age 120
• Premiums will be waived in case of
total and permanent disability due to
accident or diagnosis of Critical
Illness
• Can be converted to a Variable Life
plan but client should understand
the risks. (ex. Guaranteed to not
guaranteed, coverage from 120 to
100)

DISTRIBUTION TRAINING I 2019 MAR 01

Fight Plan
Fight Plan
Choose to pay for 5 to 10 years

Get protected within the 15 year

coverage

Available for ages 18 to 60 years

Maximum Sum Assured of PhP 2M for

ages 18 to 55 and PhP 1M for ages 56
to 60
Basic features
• This product provides guaranteed cash pay-out if insured is diagnosed
with any form of Cancer
• If diagnosed with an Early Stage Cancer*, a pay-out equivalent to 20% of
the Sum Assured is given to the insured. This will be deducted from the
Total Cancer Benefit payable under this policy
• If diagnosed with Cancer that has gone beyond the Early Stage, 100% of
the Sum Assured is paid less any Early Stage Cancer benefits previously
paid

*This benefit is payable once after which it terminates, subsequent premiums do not reduce as a result of an
Early Stage Cancer Benefit being paid.
Peace Plan
Peace Plan
Peace is the first and only yearly renewable insurance coverage
product specifically designed to give you and your loved ones
financial peace of mind in the event of death or disability as a
direct result of a Terrorist Act in the Philippines and anywhere in
the world.
Peace Plan
Coverage for death or disability
due to a Terrorist Act, maximum
of PhP 1M per insured. Coverage options
Choose your plan option – Personal Peace
Personal Peace or Family Peace Personal Cover (individual)
PhP 1M coverage amount
Apply online in minutes. No PhP 2,000 Annual Premium
medical test required.
Family Peace
Family Cover (individual, spouse, and
Guaranteed approval as long as children below 18)
you’re a Filipino citizen or a
PhP 1M coverage amount per insured
Philippine resident.
family member
Protection anywhere in the world. PhP 3,000 Annual Premium
Coverage for 1 year with an option
to renew every year
Basic features
FWD will pay PhP 1M for each insured that suffers any of the following
disabilities as a direct result of a Terrorist Act:

• Total and irreversible loss of sight on both eyes

• Total and irrecoverable loss of hearing of both ears
• Total and permanent inability to use both hands or both feet
• Total and permanent inability to use one hand and one foot
• Third degree burns affecting at least 20% of skin surface area
Variable
Unit-Linked
Products
2
Set for Life
(Regular Pay)
Set for Life
How it works?

Anticipate and enjoy loyalty bonus

Invest an annual minimum
starting at the end of the 10th
premium of P18,000.
year.

Choose to pay for 5, 7, 10 years See the upside potential through

or Whole life to Pay. the chosen fund’s performance.

Worry-free from life’s

unexpected events.
Basic features and benefits
Set for Life Minimum Annual Premium
5 PAY and 7 PAY PhP 30,000
10 PAY and Whole Life PAY PhP 18,000
Regular Top-ups PhP 2,000
Lump Sum Top-ups PhP 5,000

Plan Issue ages

Set for Life Policy owner: 18 – 99 years old
Insured: 15 days old – 70 years old

Coverage up to age 100

Set for Life
Premium Charges and Fund Allocation

Set for Life 5 PAY Set for Life 7 PAY

Policy Premium Allocated Policy Premium Allocated
Year Charge to Funds Year Charge to Funds
1 70% 30% 1 75% 25%
2 45% 55% 2 50% 50%
3 0% 100% 3 10% 90%
4 0% 100% 4 0% 100%
5 0% 100% 5 0% 100%

Top Up 5%
Note: For Top-ups 95% is allocated to the fund
Set for Life
Premium Charges and Fund Allocation
Set for Life 10 PAY Set for Life Whole Life PAY
Policy Premium Allocated Policy Premium Allocated
Year Charge to Funds Year Charge to Funds
1 90% 10% 1 90% 10%
2 60% 40% 2 75% 25%
3 35% 65% 3 40% 60%
4 0% 100% 4 0% 100%
5 0% 100% 5 0% 100%
6 0% 100% 6 0% 100%
7 0% 100% 7 0% 100%
8 0% 100% 8 0% 100%
9 0% 100% 9 0% 100%
10 0% 100% 10 0% 100%
Set for Life
Death Benefit

b
Higher of:
a Sum Assured
b Account Value
(illustration: not guaranteed)
a
c Minimum Death Benefit
500% of Annual Regular Premium c
+125% of all Top-Ups (Regular & Ad-Hoc)
-125% of all Partial Withdrawals
Set for Life
Maximum Flexibility
Max Multiple Max Multiple Max Multiple Max Multiple
Issue Age 5 Pay 7 Pay 10 Pay Whole Life
0-10 37 52 70 213
11-20 26 37 49 145
21-30 18 26 35 96
31-40 12 18 24 59
41-50 9 12 16 35
51-60 6 8 11 19
61-70 5 6 7 10
Annual Premium Sum Assured / Multiplier Rate
Sum Assured Annual Premium X Multiplier Rate
 Set for Life
Features & Benefits Timeline
PROTECTION OR COVERAGE PERIOD
(up to age 100)
INSURED-OWNER
MATURITY
BENEFIT =
may be withdrawn in partial or full ACCOUNT
LOYALTY BONUS (No. of Units x NAVPU) VALUE
ACCOUNT VALUE DEATH BENEFIT (whichever is higher)
• Sum Assured
• Account Value
• Min. Death Benefit
Policy Year 10
PED
policy 50yo 70 yo 100 y/o
effective Premium Paying Period
(ex. 10 years to Pay)
date
LOYALTY BONUS Equivalent of 2% of Average Monthly Account Value
(AMAV) for the past 5 years payable at the end of the 10th policy year and
every 5 years as long as policy has not been reinstated. Non-guaranteed
depends on actual performance of fund.

DISTRIBUTION TRAINING I 2019 MAR 01

All Set
(Single Pay)
All Set
How it works?
Invest a minimum premium of
PhP 100K.
2 options
Pay only once.
Full Underwriting
Attachable riders available
Anticipate and enjoy loyalty Simplified Issue Option (SIO)
bonus starting at the end of the Simplified Underwriting
10th year.

See the upside potential through

chosen fund’s performance.

Worry-free from life’s unexpected

events.
Basic features and benefits
Plan Minimum Annual Premium
All Set / All Set SIO PhP 100,000
Lump sum Top-ups PhP 5,000

Plan Issue ages

All Set Full UW (SP) Policy owner: 18 – 99 years old
Insured: 15 days old – 75 years old
All Set SIO (SP) Policy owner: 18 – 99 years old
Insured: 15 days old – 75 years old
Coverage up to age 100
All Set
Premium Charges

Plan Initial Charge

All Set / All Set SIO 5%
Lump sum Top-ups 5%
All Set
Premium Charges & Fund Allocation
Min Single Max Single Premium Fund
Variant
Premium Premium Charges Allocation
All Set Subject to
P 100,000 Underwriting 5% 95%
All Set SIO
P 100,000 P 999,999 5% 95%
All Set Higher
P 1M P 100M 0% 100%
Note: For any Lump Sum Top-Up, premium charge is 5%

DISTRIBUTION TRAINING I 2019

MAR 01
All Set Higher
(Single Pay)
All Set Higher (Peso)
How it works?
Minimum one-time investment Benefits
of PhP 1M.
Quick & easy application
No medical examination required.
Additional investments anytime.
Life benefit
Additional death benefit up to age 100.

No premium charge, no initial Free fund switching

fees. Adjust asset allocation online as needs
change – free of charge up to 6 times!

Loyalty bonus on the 10th year and

every 2 years thereafter.

Coverage up to 100 years old.

Basic features and benefits
Plan Minimum Annual Premium
All Set Higher PhP 1,000,000
Lump sum Top-ups PhP 5,000

Plan Issue ages

All Set Higher Policy owner: 18 – 99 years old
Insured: 15 days old – 75 years old
 Investment Client Risk
Bank Fund details FMC
Fund Profile
BPI Peso Fixed Income Invested on domestic government and corporate debt 1.75% Conservative
Fund instruments and money market securities

BPI Peso Balanced Fund Invested on high equality peso dominated equities, 2.00% Moderate /
domestic gov’t and corporate debt instruments and money Balanced
market securities

BPI Peso Equity Fund Invested on peso dominated equities and money market 2.00% Aggressive
securities

SBC Peso Bond Fund Medium to long term fixed income securities such as 1.75% Conservative
corporate securities, select corporate bonds and other
marketable instruments

SBC Peso Stable Fund Combination of equity investments in the PSE and other 2.00% Moderate/Balanced
instruments like government securities and bonds

SBC Peso Growth Invested mainly into selected equity investments listed in 2.00% Aggressive
the PSE

SBC Peso High Dividend Invested in listed equity security of Philippine companies 2.00% Aggressive
Equity Fund that offer high dividend pay-outs

Peso Equity Index Passively managed fund which mirrors the return of the top
SBC 1.50% Aggressive
Fund 30 listed companies in the PSEi.
Maira Mojica
Corporate Business Head
50 years old

MNC Business Head with high value talent/skill

Lavish lifestyle -- expensive home, car, driver --
all provided for.
Pressurized work manifesting health issues
Frequent guest of high-end spa/gyms/malls for
therapy
Dreams of her own private Idaho

What’s important to her?

A sabbatical. Dreams of setting up a concept
B&B in Benguet
17
Dollar All Set
Higher (Single Pay)
Dollar All Set Higher
How it works?
Minimum one-time investment
of USD 20,000.
Benefits
Additional investments anytime. Quick & easy application
No medical examination required.
Life benefit
No premium charge, no initial Additional death benefit up to age 100.
fees.

Loyalty bonus on the 10th year and

every 2 years thereafter.

Coverage up to 100 years old.

Investment FMC Client Risk
Fund details
Fund Profile
FWD GLOBAL The fund provides diversified and 1.75% Aggressive
US DOLLAR affordable exposure to many of the
EQUITY INDEX world’s largest companies listed in
FUND major developed and emerging
countries. By closely tracking the total
return of the Morgan Stanley All
Country World Index (MSCI ACWI)
MSCI All Country World Index (MSCI ACWI)
Who is MSCI? MSCI Inc. which is an American-based provider of equity, fixed income, hedge
fund stock market indexes, and equity portfolio analysis tools. 1

What is the MSCI All Country World Index?
https://www.msci.com/acwi
The company is headquartered in New York City, USA. Formerly known as ‘Morgan
Stanley Capital International’ and ‘MSCI Barra’.
This is a highly diversified index that includes over 1,000 large companies and which
provides global exposure to countries that belong in both Developed Markets (DM)
and Emerging Markets (EM).

Investors have access not only to large and stable economies through 23 Developed
Markets, but also to rapidly growing economies through 24 Emerging Markets. The
largest companies in the world are included in this index, such as:

Apple Facebook Nestlé

Microsoft Corp. McDonald’s Corp. Coca-Cola
Amazon.com BPI Walt Disney
Johnson & Johnson Samsung Electronics Oracle Corp.
Starbucks Corp. Colgate-Palmolive Security Bank Corp.

1 https://en.wikipedia.org/wiki/MSCI 30
Riders Set for Life Set for Life All Set All Set
(5 to 10 pay) (7 or WL Pay) (Single Pay) (Single Pay)
Regular SIO/Higher
Underwriting Dollar

Waiver of Premium on
Insured (WOPI) a
Waiver of Premium on
Owner (WOPO) a
Accidental Death
Benefit Rider (ADB) a a a
No riders
Hospital Cash Benefit
Rider (HC) a a a
Critical Illness Benefit
Rider (CI) a a a
38 Critical Illnesses
Life Assist Rider (LA)
• Insured Death Benefit
•
•
Terminal Illness Benefit
Funeral Advancement
a a a
Benefit
• Spouse Extension Benefit
• Overseas Benefit
 RIDERS All Set All Set
Set for Life Set for Life
(Single Pay) (Single Pay)
(Supplementary (5 to 10 (7 or WL
Regular SIO/Higher
Pay) Pay)
Benefit) Underwriting Dollar

WOPI
Waiver of Premium Insured

WOPO
Waiver of Premium Owner

ADB
Accidental Death Benefit No Riders

HCB
Hospital Cash Benefit
CI
Critical Illness
LA
Life Assist

DISTRIBUTION TRAINING I 2019 MAR 01

Group
products
Corporate
Care

2
What is
Corporate Care?

2
 Who is
Corporate Care?
We offer companies employee benefits and help protect their employees.

VALUE FOR EMPLOYERS VALUE FOR EMPLOYEES

• Manager unforeseen out of • Protect their family’s income
pocket expense • Available fund in case of
• Attract and retain talent accident or critical illness
• Care for employees • Feel secure in their job

DISTRIBUTION TRAINING I 2019 MAR 01

FWD CorpCare Advantage
FWD Comprehensive Traditional
Advantages
Employee Benefits Employee Benefits
Extended Eligibility Ages: Eligibility Ages: GLI ADDD Eligibility Ages for GLI & ADDD:
- Group Life Insurance (GLI) - Maximum Entry 70 65 - Maximum Entry – 65
- Accidental Death, Dismemberment & Disability (ADDD) - Termination 75 70 - Termination – 66

Any Occupation or All Duties All Duties Only

Flexible Disability Benefit Types & Settlement Options
LumpSum or 24 Monthly Instalments Usually 60 Monthly Instalments

Accelerated Benefit from GLI

Faster Claims for Family Assistance Benefit (FAB) Usually NONE
(No death certificate required)

Significantly Less ADDD Exclusions 4 Exclusions Only 14 to 22 Exclusions

Extended Accident Cover for:

- Dangerous Sports/Hobbies Up to P10M per Insured Excluded
- Flying as Non-Fare Paying Passenger or Pilot/Crew Up to P10M per Insured Excluded
- Terrorism, Riots, Nuclear, Chemical & Biological Events Up to P200M per Event Excluded

Higher Terminal Illness Benefit (TIB) 100% of GLI, up to P2M 50% of GLI, up to P500K

More Critical Illnesses Covered Up to 51 Critical Illnesses Up to 35 Critical Illnesses

DISTRIBUTION TRAINING I 2019 MAR 01

Packaged Plans
Corporate Care
Packaged Plans

LiveSafe WorkSafe

For 3 to 25 employees For 3 to 100 employees

DISTRIBUTION TRAINING I 2019 MAR 01

 Note: You may purchase as many as
Ten (10) units or up to Php1,000,000
LiveSafe Benefit Amount
Benefit
PLAN PLAN PLAN PLAN
Benefit Type Amount
1 2 3 4
One (1) Unit
Group Life Insurance 100,000 √ √ √ √

Accidental Death & Dismemberment 100,000 √ √ √ √

Total & Permanent Disability 100,000 √ √ √ √

Family Assistance Benefit 5,000 √ √ √ √

Accidental Medical Reimbursement 5,000 √ √

Critical Illness Benefit 100,000 √ √

Accidental Hospital Income (max 5 units)* 500/day √

Annual Premium Per Head (based on Class 1 Occupational Risk)
18– 29 years old 237 322 378 590
30-39 years old 238 323 505 717
DISTRIBUTION TRAINING I 2019 MAR 01
LiveSafe

DISTRIBUTION TRAINING I 2019 MAR 01

 WorkSafe Note: You may purchase as many as
Ten (10) units or up to Php2,000,000
Benefit Amount.

Benefit
PLAN PLAN PLAN PLAN
Benefit Type Amount
1 2 3 4
One (1) Unit
Group Accidental Death, Dismemberment
200,000 √ √ √ √
& Disability Insurance
Family Assistance Benefit 10,000 √ √ √ √

Accidental Medical Reimbursement 10,000 √ √

Accidental Hospital Income (max 5 units)* 500/day √ √

Annual Premium Per Head (based on Class 1 Occupational Risk)

18-65 years old 156 352 301 497

DISTRIBUTION TRAINING I 2019 MAR 01

 Note: You may purchase as many as
WorkSafe Ten (10) units or up to Php2,000,000
Benefit Amount.

DISTRIBUTION TRAINING I 2019 MAR 01

Customized Plans
Corporate Care
Customized Plans – for more than 100 employees

For inquiries, proposal requests, product briefing requests

about our corporate care plans

CorporateCareAgency.PH@fwd.com

DISTRIBUTION TRAINING I 2019 MAR 01

Product line-up
Product line Protection Accident Disability 2017 &
beyond
Group Life Accidental Death & Group Medical /
Base plan Dismemberment / Group Credit Life
Accidental
Dismemberment &
Disability
Accidental Medical Accidental Medical
Riders Reimbursement Reimbursement

Accidental Hospital Accidental Hospital

Income Income
Accidental Death / Accidental Death &
Accidental Death & Dismemberment /
Dismemberment / Accidental Death,
Accidental Death, Dismemberment, &
Dismemberment, & Disability
Disability / TPD
Critical Illness /
Terminal Illness
Thank you!

2
FWD Insurance
All rights reserved
2017