FWD Protection Plans Discount Campaign

Eligible Plans	Discount Rates during the Campaign period (signed between 28 March 2023 – 30 June 2023)
FWD Future First – Fixed Term (SGD) Including attached FWD TPD rider & FWD CI rider	35% Perpetual discount* (on full policy term), including premium for eligible rider(s) *Premium reflected in Policy Illustration is the premium after the 35% discount.
FWD Future First (10-year renewable term)	20% first-year only discount^ ^Premium reflected in the Policy Illustration will be before discount. Our Client Advisers will include the final premium with the 20% discount applied upon signing up for the policy.
FWD Future First (All currencies other than SGD)
FWD Recover First

Base Plans	Optional add-on riders)
FWD Future First	FWD Critical Illness rider FWD Total & Permanent Disability Rider FWD Total Critical Illness rider FWD Critical Illness Premium Waiver Rider FWD Payer Premium Waiver rider
FWD Recover First	N.A

Terms & Conditions:

This Promotion is applicable to Eligible Plans with any mode of premium payment selected (monthly, quarterly, semi-annual and annual) and discounts offered under this Promotion will be applied on top of any existing campaigns or promotions, unless otherwise specified.
All applications for an Eligible Plan must be submitted through our distributors and received by FWD during the Promotional Period, and must be incepted on or before 30 June 2023.
In the event that the Eligible Plan(s) is/are for any reason whatsoever not successfully effected, cancelled (whether by you or FWD) or rejected within the applicable free-look period or within 24 months after the Promotional Period, whichever is the later, FWD reserves the right to recover the monetary value equivalent to the discount amount from you. Please refer to the policy contract of the respective insurance plans for full details on cancellation of your policy during or after the free-look period.