Set for Tomorrow

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

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.


Affordable Premiums

The minimum annual premium of at least P21,000 subject to a minimum coverage amount of Php 1,000,000.

Payment Options

Choose to pay for Single pay, 5 Pay, 10 Pay or Regular Pay.1

Funeral Benefit

10% of the plan’s benefit amount up to P100,000 will be advanced within 48 hours to pay for immediate expenses such as funeral expenses.

Terminal Illness Benefit

Receive 100% of the plan’s coverage amount in advance upon diagnosis of a Terminal Illness.

Spouse Extension Benefit

Get additional 100% of the plan’s coverage amount if both the insured and the spouse die in the same accident, and at least one minor child survives.

Overseas Benefit

Additional 20% of the plan’s coverage amount will be given if the insured dies overseas.

Waiver of Premium Benefit2

Premium payments are waived if you become totally and permanently disabled or if you are diagnosed with a critical illness.

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 Protection, 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