FWD Philippines has launched a new savings and protection product aimed at helping Filipinos secure long-term financial goals amid rising living costs and market volatility.
The product, called FWD FutureSure, is an endowment plan that combines guaranteed cash benefits, life insurance coverage, and flexible payment options—positioned as a more predictable tool for families planning for education, retirement, and other long-term needs.
FWD Philippines President and CEO Soon Liang Lau said growing economic uncertainty has left many Filipinos questioning their ability to build financial security.
“Many Filipinos are asking, ‘Can I really secure my child’s education or my own retirement when everything feels so uncertain?’ That’s why we created FutureSure,” Lau said. “It’s not just another savings plan—it’s a promise.”
Under the plan, policyholders receive guaranteed annual cash payouts equal to 10 percent of their sum assured starting at the end of the 11th policy year through the 20th year. At maturity, they receive 100 percent of the sum assured as a guaranteed payout, while maintaining life insurance protection throughout the policy term.
The product also allows flexibility in how benefits are used. Annual payouts may be withdrawn for daily expenses or left with FWD to potentially earn additional non-guaranteed interest.
To accommodate varying financial capacities, FWD offers premium payment terms of five or 10 years. An optional waiver of premium benefit is also available in cases of critical illness, permanent disability, or death, ensuring policy continuity even during financial shocks.
FWD said the launch reflects growing demand for financial products that balance protection, disciplined savings, and predictable returns, as households look for stability in an uncertain economic environment.
