Set for tomorrow

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

Overview

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.

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.

Rates

Minimum annual premium PHP21,000
Payment terms One-time, 5, 10 or Regular Pay*
Minimum coverage amount PHP1,000,000
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 oldp to 100 years old

This financial product of FWD life insurance corporation is not insured by the philippine deposit insurance corporation and is not guaranteed by Security Bank.

* Regular Pay means clients will pay premiums until the expiry of the coverage.

 

 

Features and services

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 PHP100,000 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 benefit

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.

Accidental Hospitalization Income

gives your employee a benefit amount for each day of hospital confinement due to an accident.

Eligibility and Requirements

Easy application and hassle-free administration

means no medical examination required for employees ages 18-60 years old.

Eligibility and Requirements

Eligible Groups Employer

Employee groups with 3 to 25 employees

Employees

  • All regular, full time and actively at work employees, 18-70 years old for Group Life Insurance at the time of application. Individual insurance expires upon reaching age 75.
  • 18-65 years old for Accidental benefits at the time of application. Individual insurance expires upon reaching age 70.

Acceptable occupations:

Class 1 - Office type, non-hazardous occupations such as office personnel, medical representatives, insurance agents, sari-sari store owners, door-to-door salesmen, programmers, teachers and lawyers.

Class 2 - Jobs involved in limited exposure to occupational hazards (including limited manual labour, but not using machinery) such as watch repairmen, waiters/waitresses, jewellery merchants, site engineers, and technicians.

Class 3 - Skilled or semi-skilled occupation including those using light machinery such as warehouseman, auto mechanics, plumbers, messenger on foot, pipe fitters, mason, and domestic helpers.

Class 4 - Industrial jobs using heavy machines or unskilled jobs such as welders, cutters, bus/taxi/jeepey/truck drivers, and delivery men/messengers (on bike, motorcycle, truck/van).

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