Sales Illustration
Sales Illustration
Sales Illustration
fwd.com.ph
Version 1.0.156 This Sales Illustration is prepared on May 14, 2024 and valid until August 6, 2024. page 2 of 10
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HEALTHPRO pays PHP 1,000,000.00 if the Insured is diagnosed with any of the 42 major critical illnesses and
survives at least 14 days after the diagnosis. You may claim up to three (3) unrelated critical illnesses prior to attaining
age 60. HEALTHPRO also provides the following additional benefits:
You will get an additional one-time benefit of PHP 200,000.00 when the Insured is diagnosed with any of the 15
minor critical illnesses to help cover for health expenses.
We will give a lump sum payment of PHP 1,000,000.00 upon the death of the Insured.
SAFETYPRO pays PHP 1,000,000.00 in the event of the Insured’s death directly due to an Accident prior to attaining
age 75. If death is due to an Accident and occurs during a covered Philippine Public Holiday, the amount payable
triples to PHP 3,000,000.00
RECOVERYPRO pays PHP 2,000.00 for each day that the Insured is confined in a Hospital due to sickness or injuries.
The Benefit Amount doubles to PHP 4,000.00 for each day that the Insured is confined in an Intensive Care Unit, up
to a limit of 365 days. The benefit is limited to a total of 1000 days before age 60.
SUREPRO FOR INSURED This benefit waives future premiums that become due if the Insured becomes Totally and
Permanently Disabled or is diagnosed with a covered Critical Illness.
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We will not pay any major or minor critical illness benefit, and we will not waive any premium if the Insured first
experiences signs of a condition within 90 days after the effective date.
The premiums for the supplementary benefits may change.
RECOVERYPRO
We will not pay any hospital income benefit if the claim arises from the list of exclusions below:
the Owner or the Insured committed any illegal or unlawful act, or failure to act;
deliberate self-inflicted act, drug addiction, or alcoholism by the Insured;
war or any act of war (whether declared or not), or any civil or military uprising, or act of terrorism;
HIV infection, except for HIV or AIDS due to Blood Transfusion and Occupationally Acquired HIV or AIDS;
pregnancy, childbirth, miscarriage, abortion, or any related complications; and
pre-existing condition
We will not pay any hospital income benefit, if the Insured first experiences signs of a condition within 30 days after
the effective date.
SAFETYPRO
We will not pay any benefit if the claim arises from the list of exclusions below:
the Owner or the Insured committed any illegal or unlawful act, or failure to act; or
war or any act of war (whether declared or not), or any civil or military uprising
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FWD GLOBAL GOOD PESO ESG FUND Your nominated allocation to this fund : 50.00%
The Fund gives you a diversified and affordable exposure to some of the world’s top companies which are best in class in terms of managing
their environmental, social, and governance (ESG) risks and opportunities, allowing you to participate in the long-term growth potential and
resilience of global companies. The Peso fund will be invested in USD-denominated underlying securities. The fund invests in assets
managed by FWD Philippines. The Fund Management Charge is 2.00% of the fund per year.
FWD PESO BOND FUND Your nominated allocation to this fund : 50.00%
The Fund is designed to achieve long-term growth by diversifying mainly into medium to long-term fixed income securities such as
government securities, select corporate bonds, and other marketable securities. The fund invests in assets managed by Security Bank. The
Fund Management Charge is 1.75% of the fund per year.
FWD PESO FIXED INCOME FUND Your nominated allocation to this fund : 0.00%
The fund is designed to capitalize on medium-term growth by investing in fixed-income securities issued by Philippine corporations, the
government, and money market instruments issued by accredited banks. The fund invests in assets managed by Bank of the Philippine
Islands. The Fund Management Charge is 1.75% of the fund per year.
FWD PESO STABLE FUND Your nominated allocation to this fund : 0.00%
The Fund is aimed to achieve long-term growth by diversifying mainly into select Philippine Stock Exchange equities and other financial
instruments like government securities and corporate bonds. The fund invests in assets managed by Security Bank. The Fund Management
Charge is 2.00% of the fund per year.
FWD PESO BALANCED FUND Your nominated allocation to this fund : 0.00%
The Fund targets long-term capital growth and protection by diversification. Investments is a balanced of select Philippine Stock Exchange
index stocks, and bonds with greater emphasis on long-term capital protection through investing in government securities and corporate
bonds. The fund invests in assets managed by Bank of the Philippine Islands. The Fund Management Charge is 2.00% of the fund per year.
FWD PESO HIGH DIVIDEND EQUITY FUND Your nominated allocation to this fund : 0.00%
The Fund is designed to achieve total returns in excess of the Philippine Stock Exchange Index (PSEi) through income growth and long-term
capital appreciation by investing in select PSE equities with high dividend payouts. The fund invests in assets managed by Security Bank.
The Fund Management Charge is 2.00% of the fund per year.
FWD PESO GROWTH FUND Your nominated allocation to this fund : 0.00%
The fund is designed to attract, generate and mobilize Peso-denominated investible funds so as to provide investors a vehicle for the
accumulation of such Peso-denominated capital contributed thereto through the purchase of units in the Fund. The Fund aims to achieve
long term growth by diversifying mainly into select equity investments listed in the Philippine Stock Exchange, and other marketable
instruments. The fund invests in assets managed by Security Bank. The Fund Management Charge is 2.00% of the fund per year.
FWD PESO EQUITY FUND Your nominated allocation to this fund : 0.00%
The fund is designed to achieve capital appreciation from a diversified portfolio of peso-denominated Philippine Stock Exchange-listed
equities and money market securities. The fund invests in assets managed by Bank of the Philippine Islands. The Fund Management Charge
is 2.00% of the fund per year.
FWD PESO EQUITY INDEX FUND Your nominated allocation to this fund : 0.00%
The fund is designed to achieve income growth and investment returns that closely track the total return of the Philippine Stock Exchange
Index (PSEi). The fund invests in assets managed by Security Bank. The Fund Management Charge is 1.50% of the fund per year.
FWD PESO PITSTOP LIQUIDITY FUND* Your nominated allocation to this fund : 0.00%
The fund aims to invest in a portfolio of cash and short duration bonds to provide moderate income and capital growth. The Fund
Management Charge is 0.50% of the fund per year.
The assets in our Investment Funds are valued using the marked-to-market valuation method on a daily basis. The Unit Prices of the
Investment Funds are published weekly in major newspapers and daily in our website (www.fwd.com.ph).
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The fund manager makes investment decisions for the Investment Fund/s based on the circumstances of each Investment Fund and
independently of decision made for other Investment Fund/s. The fund manager may make the same investments for an Investment
Fund and one or more other Investment Fund/s. This may create a conflict of interest if there is only a limited amount of the
investment available, or if the investment is purchased at different times or at different prices for different Investment Fund/s. If this
happens, the fund manager will attempt to allocate the investment fairly between the Investment Fund and other Investment Fund/s.
Factors the fund manager considers in allocations include the size and timing of previous allocations, whether the security meets the
objectives of the respective portfolios, the relative portfolio size and the rate of growth of the portfolios.
This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of
loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you
do not fully understand this product, we strongly recommend that you do not purchase or invest in it.
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Your policy will also terminate if the Total Account Value is no longer sufficient to cover Premium Charges and Insurance
Charges. In this case, You may reinstate Your Policy and any Supplementary Benefits within three (3) years if You satisfy
our Reinstatement requirements.
Other important information I need to know.
Should You need further information, You may contact FWD Life Insurance Corporation at the address shown on Page 1.
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1. Fund performance on the first year of the fund is from inception date until December 31 of the launch year. Succeeding years are based on annual
return of the fund.
2. Annualized return is the Compounded Annual Growth Rate, or the growth rate on a yearly basis if principal plus interest are re-invested annually. It
covers the last 36 months preceding 31-Dec-2019.
3. The funds mentioned in this document are specific to variable unit linked life insurance contracts. The policyholder shall bear all investment risks.
4. Fund returns depend on interest rate levels which may fluctuate and on changes in the value of the stocks and dividends received. In addition, the
value of the fund may draw its return and value from the performance of the underlying securities/financial instruments where it is invested in which
may also fluctuate. Therefore, the performance of the fund is not guaranteed and the value of the policy could be less than the capital invested.
5. Past performance of the funds is not necessarily indicative of future performance. Returns are not guaranteed and exclusive of charges such as
premium charge, cost of insurance charge, and surrender charge.
6. The fund price is computed by dividing the net asset value by the number of outstanding units on the valuation date. The frequency of valuation of
peso and dollar funds are daily and weekly, respectively. The fund prices are published every month on Philippine Daily Inquirer newspaper. You may
also see the latest fund prices, fact sheets and more information about our funds on our website at investment.fwd.com.ph.
Lee Longa
Chief Financial Officer and Treasurer
Version 1.0.156 This Sales Illustration is prepared on May 14, 2024 and valid until August 6, 2024. page 10 of 10