Set for Tomorrow

Get a solution suitable for your needs against unforeseen life risks.


Wherever you are in life, FWD’s Set for Tomorrow provides solutions for your ever-changing financial protection needs with three easy-to-maintain and even easier on the budget life insurance plans that are with you in every step of your financial journey.

From loan protection, income protection during your prime working years, to smoother transfer of wealth, Set for Tomorrow’s three variants: Short Term Cover, Income Protector, and Estate Protector, allow you to protect your family’s future with an amount that makes sense to you personally and financially.

At a Glance

Minimum Annual Premium P 21,000
Payment Terms One-time, 5, 10 or Regular Pay1
Minimum Coverage Amount P 1,000,000
Age of Eligibility for the Insured * Short Term Cover: 70 years old
* Income Protector: 60 yrs old
* Estate Protector: 70 yrs old
Coverage * Short Term Cover: 5 or 10 years, can be extended up to 80 yrs old
* Income Protector: Up to 65 yrs old
* Estate Protector: Up to 120 yrs old
1Regular Pay means clients will pay premiums until the expiry of the coverage.

Available Variants

Short Term Cover
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Takes care of your outstanding short-term financial obligations such as loans and mortgages if you become incapable of paying for it due to your untimely death.
Income Protector
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Covers you during your prime working years which allows you to provide for your family even when the worst happens.
Estate Protector
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Allows for a smooth transition of your wealth throughout your lifetime.


Life Insurance Coverage

We look after your family if the worst happens, by providing 100% of the coverage amount.

Terminal Illness Benefit

100% of the benefit amount will be given in advance when you are diagnosed with a terminal illness.

Overseas Benefit

A 20% additional coverage amount will be provided if the worst happens while overseas.

Funeral Benefit

10% of the life insurance coverage up to ₱100,000 will be given in cash in advance within the next 48 hours.

Spouse Extension Benefit

We extend an additional 100% coverage amount if an unfortunate event happens to you and your spouse as a result of the same accident, provided there is at least one child below 18 years old.

Waiver of Premium Benefit2

We waive your future premiums in case of total permanent disability or when diagnosed with any of the 38 critical illnesses as defined in your policy contract.

110-Pay is not available for Short Term Cover with 5-year coverage. 5-Pay is not available for Short Term Cover with 10-year coverage.
2Available to Income Protector, and for some ages of Estate Protector.

Exclusions may apply including pre-existing conditions. Refer to the sales illustration for a list of exclusions. For more information, talk to your FWD Financial Solutions Consultant (FSC). This is for general information only. Refer to the policy contract for full details.

Other Products

Set for Life

Min. Annual Premium: P18,000
Payment Terms: 5, 7, 10 Years/Whole Life
Coverage: Up to 100 y.o.

All Set

Min. Single Premium: P100,000
Payment Terms: One Time
Coverage: Up to 100 y.o.

All Set Higher

Min. Single Premium: P1,000,000
Payment Terms: One Time
Coverage: Up to 100 y.o.

USD All Set Higher

Min. Single Premium: $20,000
Payment Terms: One Time
Coverage: Up to 100 y.o.


About FWD

FWD Life Insurance Corporation (“FWD Life”) is the first life insurance company licensed by the Insurance Commission of the Philippines under the new Insurance Code. FWD launched its commercial operations in September 2014. By March 2017, FWD Life is the highest-capitalized life insurer in the Philippines with PhP 2.3 billion in paid-up capitalization.1 Based on premium income data published by the Insurance Commission2, FWD Life now ranks 10th in the insurance industry in terms of weighted new business premiums.3FWD Group spans Hong Kong & Macau, Thailand, Indonesia, the Philippines, Singapore, Vietnam, and Japan, offering life and medical insurance, general insurance, and employee benefits across a number of its markets. Established in Asia in 2013, FWD is the insurance business arm of investment group, Pacific Century Group. In the Philippines, FWD has nine business hubs located in key cities nationwide with its headquarters in Bonifacio Global City in Taguig.

FWD is focused on creating fresh customer experiences, with easy-to-understand products, supported by digital technology. Through this customer-led approach, FWD aims to become a leading pan-Asian insurer that changes the way people feel about insurance.

For more information please visit

1 > Statistics > 2017 > Based on Paid-Up Capital

2 > Statistics > 2017 > Based on Premium Income

3 Weighted New Business Premium Income: 100% of first-year premium on regular-pay plans + 10% of single-pay premiums