FWD Future First

The plan that helps yourself and your family in their recovery

Why choose Future First?

Our financial advisory representatives can tailor Future First to your needs. With our exclusive Recovery programme, you and your family will have all the support needed.

Customisable coverage for your specific needs

Enhance your coverage with riders for premium waivers, critical illnesses or total & permanent disability.

Exclusive Recovery programme

Recovery goes beyond financial support. The person insured will have access to medical second opinion and professional services, and the family can also receive emotional support and other professional services.

Payout upon death or terminal illness

The full sum covered will be paid to your beneficiaries upon your death or diagnosis of terminal illness.

Product highlights

Flexible coverage catered to your life event

You will have the option to increase your coverage upon key events like completion of your tertiary education, newly-wed, purchased a new home or adopted/had a new child.

Multi-currency options

Choose from 4 different currencies – SGD, AUD, GBP, USD – for your coverage.

Exclusive FWD HealthFirst Programme

Enjoy teleconsultation services and get access to over 600 MHC GP, dental and specialist clinics at preferred rates with FWD HealthFirst.¹ Plus, your loved ones can also enjoy these benefits. Learn more here.

Optional Enhanced Benefits

FWD MultiCover CI Rider (NEW)

Comprehensive critical illness protection across different stages of critical illnesses with support for multiple claims, as well as coverage for intensive care, special conditions and juvenile conditions.

FWD Total CI Rider

Get covered for early-, intermediate- and late-stage2 critical illnesses, including future unknown illnesses with “Future Protect Benefit”. The coverage goes beyond a fixed list of conditions and focuses on illnesses that impair your key body systems.

FWD Early CI Rider

Receive accelerated payout for early-, intermediate-, and late-stage2 critical illnesses, special conditions and juvenile conditions.

FWD CI Rider

This Benefit provides an accelerated payout of your base plan in the unfortunate event of a late-stage2 critical illness.

Total & Permanent Disability Benefit

This Benefit provides an accelerated payout of your base plan in the unfortunate event of a total and permanent disability.

FWD CI Premium Waiver Rider

This Benefit waives future premiums on the base plan and attaching riders (where applicable) if the person insured is diagnosed with any of the covered late-stage critical illnesses.

FWD Payer Premium Waiver Rider

This Benefit waives future premiums on the base plan and attaching riders (where applicable) if the policy owner dies, become totally and permanently disabled (TPD) or is diagnosed with any of the covered late-stage critical illnesses.
Future proof your critical illness coverage with FWD Recover First and Total CI Benefit’s unique feature that covers you for an unlimited number of critical illnesses.

¹ Terms and conditions apply. FWD HealthFirst is an additional benefit provided by FWD and is not a product benefit in the Policy Contract. FWD reserves the right to update the terms of FWD HealthFirst at any time.

² For angioplasty & other invasive treatments for coronary artery claims, we will pay 10% of the sum insured under the rider subject to S$25,000 maximum sum insured.

This page is for general information only and all information presented is for illustrative purposes. Please refer to the detailed terms and conditions of this policy in the policy contract.

Buying a life insurance policy is a long term commitment. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the policy. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the policy is suitable for your needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare 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 Life Insurance Association (LIA) website (www.lia.org.sg) or SDIC websites (www.sdic.org.sg).

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

Information is correct as at 21 August 2026.