FWD Life Income Secure

A participating whole of life Policy with regular Cash Benefit payouts that provides a lifetime of income.

Why choose FWD Life Income Secure?

FWD Life Income Secure is a participating whole life Policy that provides a lifetime of regular Cash Benefit payouts with a short premium commitment.

Short premium commitments

Tailored to your needs with the choice of a Single Premium or a 2‑year payment term1.

Enjoy lifetime Cash Benefit payouts with guaranteed and non‑guaranteed components

Receive attractive Cash Benefit payouts as early as the end of Policy Year 2, up to the original Person Insured’s 120th birthday.

Capital guarantee from the end of Policy Year 5

100% of your total premiums paid are guaranteed from the end of Policy Year 52 onwards.

Product highlights

Short premium commitments and receive a Cash Benefit payout from as early as end of Policy Year 2 ​

With a Single Premium or a 2-year payment term, enjoy attractive Cash Benefit payouts starting as early as the end of Policy Year 2.

Enjoy lifetime Cash Benefit payouts with guaranteed and non‑guaranteed components

Receive total Cash Benefit payouts of up to 3.21% p.a.3 of total premiums paid, payable up to the original Person Insured’s 120th birthday, inclusive of a guaranteed component of 1% p.a. of total premiums paid.

100% capital guarantee from the end of Policy Year 5

Subject to premiums being paid up to the end of Policy Year 5, 100% of the total premiums paid will be guaranteed from the end of Policy Year 5 onwards—so you can enjoy greater peace of mind and focus on what matters most.

Unlock an attractive yield upon maturity

Look forward to an attractive yield of up to 3.23% p.a.4 on Policy maturity.​

Flexible income options tailored to your needs

Enjoy the flexibility of receiving your Cash Benefit payouts either monthly or yearly. Alternatively, you may choose to accumulate your Cash Benefit payouts with us at a non-guaranteed interest rate of up to 3.25% p.a.5.​

Enjoy financial protection with peace of mind

With our Guaranteed Issuance Offer, enjoy immediate financial growth and be assured of protection in the event of Death and Terminal Illness6.

Option to continue your Policy to the next generation

With the secondary Person Insured option, you can appoint a loved one to continue the Policy even when the active Person Insured passes on. You can also ensure that the next generation gets to enjoy the Policy benefits, such as the Cash Benefit payouts, through the transfer of policy ownership and the change of Person Insured option.

English brochure

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Your guide to participating policies

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Your guide to life insurance

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Your guide to medical underwriting

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Budget Calculator

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Basic Financial Planning Guide

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Code of Life Insurance Practice

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Important notes
FWD Life Income Secure is underwritten by FWD Singapore Pte. Ltd. (FWD), Reg. No. 200501737H, and is only available through our distribution partners. 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. Your premium payment term depends on the options available when you apply for this Policy and the choices you make at that time. Once you select a premium payment term, it will remain fixed for the duration of your Policy term.​

2. The guaranteed Surrender Value is equivalent to the total premiums paid at the end of Policy Year 5 as long as premiums are paid up to date.

3. This is based on the 2‑year premium payment term plan, where premiums are assumed to be paid annually for 2 years. The Cash Benefit payout of 3.21% p.a. is based on coverage for a Person Insured aged 0 to 9, with an annual premium of S$250,000. Total Cash Benefit payouts includes:
  • Guaranteed Cash Benefit (including payout booster*); and
  • Non-guaranteed Cash Benefit.
The Cash Benefit payout is illustrated based on an illustrated investment rate of return (IIRR) of 4.25% p.a.. At IIRR of 3.00% p.a., the Cash Benefit payouts is 1.75% p.a.. The guaranteed Cash Benefit payout is 1.00% of the total premiums paid.

*The payout booster is an embedded non-participating supplementary benefit attached to this Policy. It provides guaranteed Death Benefit, guaranteed Cash Benefit and guaranteed Surrender Value for your Policy in the first 6 Policy Years.

The payout booster is part of the non-participating fund, which means that it does not participate in the performance of the participating fund.

4. This is based on the 2‑year premium payment term plan, where premiums are assumed to be paid annually for 2 years. The yield upon maturity, based on coverage for a Person Insured aged 0 to 9 with an annual premium of S$250,000, is calculated using an IIRR of 4.25% p.a.. At an IIRR of 3.00% p.a., the yield upon maturity is 2.05% p.a..

5. At an IIRR of 4.25% p.a., the Cash Benefit payouts (including payout booster) are accumulated with us at a non-guaranteed interest rate of 3.25% p.a.. At an IIRR of 3.00% p.a., the non-guaranteed interest rate is 2.00% p.a..

6. The Death and Terminal Illness Benefit will be paid if no secondary Person Insured has been appointed.

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 Life income Secure in the Policy documents that can be obtained from our distribution partners. 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 Life Income Secure is a participating whole life plan offered by FWD Singapore Pte. Ltd., which invests part of your premiums into FWD’s participating fund and comprises guaranteed and non-guaranteed benefits. The actual benefits payable will be based on the actual performance of the assets of the participating fund. Past performance is not an indication of future performance.

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).

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

Information is correct as at 05 October 2026.