Reach your family’s goals with a plan that grows your wealth and secures your legacy through thoughtful planning
As a family provider, you want more than financial freedom. You work hard and plan to see your children succeed, take part in adventures with your family, and leave a legacy that resonates for generations. But amidst the joy of planning, a question lingers: how do you secure these goals, ensuring it becomes more than just a dream?
Available to buy via:
- FWD agents
- Insurance brokers
10Life 5-Star Savings Insurance Award* | ||
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Dual bonus for achieving potential wealth growth
Offers higher potential returns with guaranteed cash value and two non-guaranteed bonuses – a reversionary bonus and a special bonus.
Full suite of forward-thinking legacy planning options
- An innovative smart legacy option allows you to divide your policy into multiple policies for contingent insureds in advance including specifying the sequence of succession.
- Death benefit settlement option tailors your legacy plan to your needs with a choice of five options – full payment in a lump sum, by regular instalments or increasing instalments, or partial payment followed by regular or increasing instalments.
Cash withdrawals for enhanced financial flexibility
- Choose to withdraw cash from the policy to enhance your liquidity.
- To address future changing needs, you can conveniently transfer policy withdrawals to your own overseas bank account via telegraphic transfer*.
*It may be subject to service charge determined by third-party banks and service providers and it will be borne by the policy owner.
Capitalize on currency opportunities
Maximize your global currency prospects with the policy currency conversion option starting from the 3rd policy anniversary.
Split your policy to suit your needs
Starting from the 3rd policy anniversary, you can exercise the policy-split option. You’ll be able to divide your policy into two or more policies to support your legacy planning objectives.
Shield your wealth from an unstable market
You can use the bonus lock-in option to secure part of your policy value in response to the changing market outlook.
Interested?
Take a closer look at all the details – and feel free to contact us with any questions.
Helpful notes
- Age refers to the age of the insured on their next birthday.
*Source: 10Life Insurance Comparison Platform. MaxFocus Legacy Insurance Plan has achieved 5-Star Savings Insurance Award (Education, Retirement and Legacy) in 10Life 5-Star Insurance Award 2025 (As of 6 January 2025). For details, please visit http://www.10Life.com
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.
Additional coverage for your loved ones
Our waiver of premium on death benefit rider gives your loved ones an added safety net and reassurance. If the parent of an insured child or the spouse of an insured adult loses his/her life, we’ll waive future premium payments to help ease the financial burden.
Create a customised plan that includes savings and life protection - with the option to make partial cash withdrawals.
This plan is designed to provide life protection and potential appreciation for your family, by providing a guaranteed death benefit with potential appreciation from non-guaranteed annual dividend and special bonuses.
This plan offers a steady stream of monthly income to help you in retirement.
With this plan, you can customise your life protection as well as accumulate wealth with the option to make partial cash withdrawals.
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