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Basic Plus II

Balance savings with insurance cover

Growing a pot of savings can be challenging and not everyone wants to lock up money in investments. This plan offers a balanced approach meaning you can enjoy cash returns with built-in life cover. You can also top-up your account or make partial withdrawals so you’re always prepared for any emergencies.
flexible premiums
saving elements
loss of life

Available to buy via:

  • FWD agents
  • Insurance brokers
  • Our bank partners
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Earn potential interest and bonuses

Interest and bonuses help accelerate your wealth – meaning your premiums work harder and are never idle.
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You decide when to top-up or withdraw

You have the flexibility to top-up the account with booster contributions plus make partial withdrawals - according to your needs.
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Designed for customisation

You can choose from two cover options - increasing benefit or level benefit - with each one offering five different plans according to whether you want to focus more on savings or protection.

Interested?

Take a closer look at all the details – and feel free to contact us with any questions.

Plan 1 (level death benefit)
Coverage summary
Issue age
18-65
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
issue age 18-55: HK$300,000/ US$37,500; issue age 56-65: HK$120,000/ US$15,000
Guaranteed bonus
✗
Surrender benefit
✓
Death benefit
the higher of (i) sum insured - withdrawals in past 12 months or (ii) account value
Currency
HKD/ USD
Plan 1 (increasing death benefit)
Coverage summary
Issue age
18-65
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
issue age 18-55: HK$300,000/ US$37,500; issue age 56-65: HK$120,000/ US$15,000
Guaranteed bonus
✗
Surrender benefit
✓
Death benefit
sum insured + account value
Currency
HKD/ USD
Plan 2 (level death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
2%
Surrender benefit
✓
Death benefit
the higher of (i) sum insured - withdrawals in past 12 months or (ii) account value
Currency
HKD/ USD
Plan 2 (increasing death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
2%
Surrender benefit
✓
Death benefit
sum insured + account value
Currency
HKD/ USD
Plan 3 (level death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
3%
Surrender benefit
✓
Death benefit
the higher of (i) sum insured - withdrawals in past 12 months or (ii) account value
Currency
HKD/ USD
Plan 3 (increasing death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
3%
Surrender benefit
✓
Death benefit
sum insured + account value
Currency
HKD/ USD
Plan 4 (level death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
4%
Surrender benefit
✓
Death benefit
the higher of (i) sum insured - withdrawals in past 12 months or (ii) account value
Currency
HKD/ USD
Plan 4 (increasing death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
4%
Surrender benefit
✓
Death benefit
sum insured + account value
Currency
HKD/ USD
Plan 4 Premier (level death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
6%
Surrender benefit
✓
Death benefit
the higher of (i) sum insured - withdrawals in past 12 months or (ii) account value
Currency
HKD/ USD
Plan 4 Premier (increasing death benefit)
Coverage summary
Issue age
18-55
Premium payment term and benefit term
to insured's age 100
Premium holiday
✓
Option to top-up your account
✓
Minimum sum insured
HK$300,000/ US$37,500
Guaranteed bonus
6%
Surrender benefit
✓
Death benefit
sum insured + account value
Currency
HKD/ USD
Download product brochure

Helpful notes

  • Guaranteed bonuses will be credited to the policy account every 5 years from the end of the policy year 10. The bonus is calculated based on the listed percentage of the average of the balance of the policy account of the previous 60 months.
  • Age refers to the age of the insured on their next birthday.

The product information here is for reference only and doesn’t contain the full terms and conditions, key product risks and exclusions. For more details and key product risks, please refer to the product brochure. For the exact terms and conditions and a full list of exclusions, please refer to the policy provisions of the plan.


This product is underwritten by FWD Life Insurance Company (Bermuda) Limited ("FWD Life/ FWD"). FWD Financial Limited is an appointed and licensed insurance agency of FWD Life.

Useful information
Historical crediting interest rates
Crediting interest rate philosophy

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