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Purchase a Term Life Plus plan and unlock 50% discount* on eligible life insurance! Gift this exclusive deal to a loved one or use it to enhance your coverage.
Valid till 31 March 2023. T&Cs apply. *Discount applies to first-year premium only. Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Our Term Life Plus Insurance Coverage at a glance






Apply up to S$1.5 million term life insurance coverage online in just minutes
- Whether you’re starting your first job, building a family, or pursuing your life goals, FWD Term Life Plus gives you the confidence to do so. Apply online with up to S$1.5 million coverage from as low as S$1 a day.
choose the term life insurance
that suits your needs
Fixed
Term
Renewable
Term
Term
Term
Get a million dollar term life insurance cover from as low as $1 a day and the freedom to pace your premiums with your income. (for a 28 year old non-smoking male)
Beef up your coverage with optional benefits to protect yourself if you are diagnosed with a critical illness or become unable to work due to a total and permanent disability.
FWD Care Recovery Plan is our complimentary support program that goes beyond paying a claim during your moments of need. Between 01/07/2021 to 31/12/2023, if your eligible claim is approved, the FWD Care Recovery Plan will be made available to you. To know more, download our brochure here.
Guaranteed renewals over your policy period.
100 years
If you purchase the optional premium waiver benefit, you can enjoy life insurance coverage without paying subsequent premiums in the event you are unable to work due to a total and permanent disability or critical illness.
available
not available
For fixed term, your premium remains the same over the policy period you choose. For renewable term, your premium changes every year allowing you to start with lower premium.
enhance your life insurance coverage at
a fraction of your premium
Over 70% of our customers choose additional protection for critical illness or total and permanent disability with their term life cover. In event of these, you also get your subsequent premiums waived if you choose to get our premium waiver benefit.
common life insurance questions

Am I eligible for buying this policy?
You can buy this policy if:
- Your age is between 18 to 60
- You are currently residing in Singapore
- You have a valid NRIC/FIN

What is the difference between whole life insurance and term life insurance?
Both pay out sum insured upon death or disability. There are 2 key differences:
- Whole life insurance has cash value which will be paid out when you surrender the policy. Term life insurance has no cash value and offers only pure protection, which is why premiums are typically cheaper.
- Whole life insurance commonly covers up to 100 years old, while term life insurance gives you the flexibility to specify the period of coverage. Read more about the differences between whole life and term life insurance here.

What is the difference between renewable term and fixed term FWD Term Life Plus insurance?
Premiums for renewable term is cheaper than fixed term life insurance at the start, but prices increases yearly. This helps you pace your premiums as your income increases.
Premiums for fixed term are slightly higher at the start but stay the same for the entire policy term. This helps you plan your finances with certainty.
learn more about life insurance
Direct Term Life insurance
Looking for an alternative plan? Opt for a reduced cover of up to S$400,000.
Did not find what you were looking for?
Our financial advisory partners can guide you to understand your protection needs and recommend a customised life protection insurance plan.
here’s what customers are saying about us
1For a 28 year old non-smoking male.
This page is for general information only. You can find the detailed terms and conditions of this plan in the policy wording.
Buying life insurance policy is a long term commitment. You may wish to seek advice from a financial adviser before making a commitment to purchase the policy. In the event that you choose not to seek advice from a financial adviser, you should consider whether the policy is suitable for your needs. Switching from an existing policy to a new one may have potential disadvantages.
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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.

It can also refer to a condition where you suffer total and irrecoverable loss of use of (1) the entire sight in both eyes; (2) any two limbs at or above the wrist or ankle; or (3) the entire sight in one eye and any one limb at or above the wrist or ankle. TPD Benefit ceases on and after your 65th birthday.
- Alzheimer's Disease / Severe Dementia
- Angioplasty & Other Invasive Treatment for Coronary Artery
- Irreversible Aplastic Anaemia
- Severe Bacterial Meningitis
- Benign Brain Tumour
- Coma
- Coronary Artery By-Pass Surgery
- Deafness (Irreversible Loss of Hearing)
- End Stage Liver Failure
- End Stage Lung Disease
- Fulminant Hepatitis
- Heart Attack of Specified Severity
- Open Chest Heart Valve Surgery
- HIV Due to Blood Transfusion and Occupationally Acquired HIV
- End Stage Kidney Failure
- Irreversible Loss of Speech
- Major Burns
- Major Cancer
- Major Head Trauma
- Major Organ / Bone Marrow Transplantation
- Motor Neurone Disease
- Multiple Sclerosis
- Muscular Dystrophy
- Paralysis (Irreversible Loss of Use of Limbs)
- Idiopathic Parkinson's Disease
- Primary Pulmonary Hypertension
- Stroke with Permanent Neurological Deficit
- Open Chest Surgery to Aorta
- Severe Encephalitis
- Progressive Scleroderma
- Persistent Vegetative State (Apallic Syndrome)
- Systemic Lupus Erythematosus with Lupus Nephritis
- Other Serious Coronary Artery Disease
- Poliomyelitis
- Loss of Independent Existence


- For customers aged 50 and below, you may purchase up to S$1.5 million coverage without medical check-up if you are in the pink of health.
- For customers above age 50, the allowable limit for purchase without medical check-up is S$500,000 sum assured.

A million dollar term life cover from as low as $1 a day
(for a 28 year old non-smoking male)

In the event of your death or terminal illness, your spouse, aged 55 and below, is eligible for death and terminal illness cover of up to S$250,000 for 1 year.

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Life Insurance Association of Singapore (LIA) recommends cover of 9x your annual salary in LIA Protection Gap study 2017
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