FWD Invest First Horizon

FWD Invest First Horizon 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. The fixed charge structure refer solely to the initial account charge. Please refer to the Product Summary for details on other applicable charges.  
2. The actual dividend rate and frequency vary according to the selected dividend-paying funds. The dividend distributions are not guaranteed and are determined by the relevant fund manager in its absolute discretion. 
3. Terms and conditions apply to each bonus. Please refer to the Product Summary for more details.
4. Withdrawals are subject to redemption fees, partial withdrawal limits, minimum withdrawal requirements, and minimum account value rules.
5. Premium shortfall charge applies during the applicable premium shortfall charge period. Additionally, we will continue to deduct other applicable fees and charges. If your Policy Value drops below S$1, your Policy will lapse. Please refer to the Product Summary for more details.
6. Premium reduction charge applies during the applicable premium reduction charge period. Please refer to the Product Summary for more details.
7. Repayment is allowed for missed Regular Premium, past withdrawals from the initial units account, and the difference between the Regular Premium committed at Effective Date and the reduced Regular Premium. Terms and conditions apply. Please refer to the Product Summary for more details.
8. Premium shortfall charge and/or premium reduction charge will be waived, subject to terms and conditions. Please refer to the Policy Summary for more details.
9. Net premiums refer to the:
   • total Regular Premium paid; plus
   • total top-up premiums; plus
   • total repayment amount arising from: missed Regular Premium; past withdrawals from the initial units account; and the difference between the Regular Premium committed at the Effective Date and the reduced Regular Premium; less
   • total amount of withdrawals made, and
   • any advance payment made under the Terminal Illness Benefit. 

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 to FWD Invest First Horizon 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. 

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. 

FWD Invest First Horizon 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). 

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 8 October 2025.