At a glance
| Minimum premium | PHP1,200/month or PHP1,800/month |
| Payment terms | Whole life |
| Age of eligibility for the insured | 15 days old to 75 years old |
| Coverage | Up 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.
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.
* Regular Pay means clients will pay premiums until the expiry of the coverage.
Benefits
Life Protection
Get a coverage of up to age 100 for as long as your plan is active. Should you pass away, your beneficiaries will receive a Coverage Amount based on your preferred death benefit option.
Diverse Selection of Funds
Start investing the smart way. You get access from a diverse portfolio of global and local funds. Invest in global and local funds that fit your risk appetite.
Guaranteed Milestone Increase
Celebrate a major milestone with a one-time, hassle-free, pre-approved 20% benefit amount increase up to max of PHP2M.
Fee Reinvestment Benefit
Get up to 200% of your policy fees back as a reward for keeping your policy active and paid.
Accidental Death Benefits
Get an additional cash benefit should you pass away due to an accident before age 75. Receive 3x the benefit if it happens on a covered Philippine holiday.
Waiver of Premium
We’ll pay your premiums once you’re diagnosed with a major critical illness or permanent disability so you can focus on your health.
Customizable with Add-on benefits:
Upgrade your insurance coverage with a variety of great value add-ons from additional Life Coverage, Hospital Cash benefit and Critical Illness Coverage.
Also available in SmartStart Lite
An investment-linked plan that offers life protection, investment options, unique benefits and critical illness coverage starting at PHP1,200+ per month.
SmartStart Investment-linked Insurance
The insurance plan for everyone. Choose the smart plan for you:
| Minimum Coverage Amount | Issue Age | Coverage Period | Guaranteed Milestone Increase | Fee Reinvestment Benefit | Accidental Death Benefit | Waiver Premium | Other benefits | Customizable benefit add-on | |
|---|---|---|---|---|---|---|---|---|---|
| SmartStart | Starts at PHP300,000 (or 5x Regular Premium, whichever is higher) | 15 days old to 75 years old | Up to age 100 | Celebrate a major milestone with a one-time, hassle-free, pre-approved 20% benefit amount increase up to max of PHP 2M. | Get up to 200% of your policy fees back as a reward for keeping your policy active and paid. |
Get an additional cash benefit should you pass away due to an accident before age 75. Receive 3x the benefit if it happens on a covered Philippine holiday.
|
We’ll pay your premiums once you’re diagnosed with a major critical illness or permanent disability so you can focus on your health.
|
Accidental Death Coverage, Waiver of Premium
|
Life Insurance, Hospital Cash Benefit, Critical Illness coverage
|
| SmartStart Lite | Starts at PHP 300,000 (or 5x Regular Premium, whichever is higher) | 15 days old to 75 years old | Up to age 100 | Celebrate a major milestone with a one-time, hassle-free, pre-approved 20% benefit amount increase up to max of PHP 2M. | Get up to 200% of your policy fees back as a reward for keeping your policy active and paid. |
Get an additional cash benefit should you pass away due to an accident before age 75. Receive 3x the benefit if it happens on a covered Philippine holiday.
|
We’ll pay your premiums once you’re diagnosed with a major critical illness or permanent disability so you can focus on your health.
|
Major and minor critical illness benefit. Critical Illness Coverage, Accidental Death Coverage, Waiver of Premium.
|
Life Insurance, Hospital Cash Benefit
|
VUL fund options
Below are the underlying investment funds for Peso VULs.
Click on a fund icon to view its Monthly Performance Report.
FWD Peso Fixed Income Fund
Conservative
FWD Peso Bond Fund
Conservative
FWD Peso Balanced Fund
Moderate
FWD Peso Stable Fund
Moderate
FWD Peso Velocity Global Payout Fund
Moderate
FWD Diversity Fund
Aggressive
FWD Peso Equity Index Fund
Aggressive
FWD Peso Equity Fund
Aggressive
FWD Peso High Dividend Equity Fund
Aggressive
FWD Peso Growth Fund
Aggressive
FWD Global Good Peso ESG Fund
Aggressive
FWD Peso Nitro Global Payout Fund
Aggressive