Family protection plan with FWD Cashback Add-On Rider, get 50% cashback of your total contribution if no claim until maturity.

FWD Life Takaful

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Get Life Takaful Plan with Cashback Add-On Rider | FWD Takaful

What is FWD Life Takaful

Protect your loved ones’ financial future with FWD Life Takaful.

<div class="show_desktop"><p>At FWD Takaful we understand that life is full of important moments like starting a new job, getting married, having a baby or buying a new house. These are all good times to consider financial protection and what it means for the wellbeing of the people you care about and the legacy you leave behind should something happen to you.</p><p></p><p>FWD Life Takaful is designed to let you face the future confidently. This plan covers up to RM1,000,000 for death and total and permanent disability (TPD). It does not only cover you and your loved ones from life's unexpected events, but lets you build a strong financial safety net for the future.</p><p></p><p>With our optional FWD Cashback Add-On Rider, you can enjoy 50% cashback upon certificate maturity when no claims are made. Repurpose the payout to cover outstanding loans, retirement or your children’s education.</p></div>

<div class="show_mobile"><p>At FWD Takaful we understand that life is full of important moments like starting a new job, getting married, having a baby or buying a new house. These are all good times to consider financial protection and what it means for the wellbeing of the people you care about and the legacy you leave behind should something happen to you.</p><p></p><p>FWD Life Takaful is designed to let you face the future confidently. This plan covers up to RM1,000,000 for death and total and permanent disability (TPD). It does not only cover you and your loved ones from life's unexpected events, but lets you build a strong financial safety net for the future.</p><p></p><p>With our optional FWD Cashback Add-On Rider, you can enjoy 50% cashback upon certificate maturity when no claims are made. Repurpose the payout to cover outstanding loans, retirement or your children’s education.</p></div>

FWD Life Takaful product highlights

FWD Life Takaful with Cashback Rider Product Highlights

<div class="show_desktop" style="text-align: justify;"><div style="border: 2px solid orange;border-radius: 16px;padding: 10px;"><table style="text-align: justify;"><colgroup data-width='933.0000000000001'><col style="width:16.1844%"/><col style="width:83.8156%"/></colgroup><tbody style="text-align: justify;"><tr style="text-align: justify;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt36ddd67d1fc412dd" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt36ddd67d1fc412dd/65fbc445039fddc48f339894/family_under_umbrella_pic1.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></div></figure></td><td style="text-align: justify;"><p><span style="text-align: left;font-weight: 700;">Life Protection for you and whole family in one plan</span><br /><span style="text-align: left;">Cover up to 4 family members in 1 plan</span></p></td></tr><tr style="text-align: left;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt50f0f23df1af55f9" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt50f0f23df1af55f9/65fbc46c9b2cdae1949400b0/click_pic2.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></div></figure></td><td style="text-align: left;"><p><span style="text-align: left;font-weight: 700;">Simple and straightforward application</span><br /><span style="text-align: left;">Apply online at your convenience with no medical examination</span></p></td></tr><tr style="text-align: left;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt4d00e1f61fe8e509" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt67fb5eb670ada606/65fbc4880c744de54c7c2c2a/coin_growth_pic3.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></div></figure></td><td style="text-align: left;"><p><span style="text-align: left;font-weight: 700;">FWD Cashback Add-On Rider (optional)</span><br /><span style="text-align: left;">50% cashback of your total contribution paid if no claims are made until maturity. <a href="#FWDCashbackAdd-OnRider" style="font-size: 16px;font-weight: 700;color: #e87722;display: flex;">Learn more</a></span></p></td></tr><tr style="text-align: left;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="bltb2a3102ddf538bf9" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb2a3102ddf538bf9/65fbc4a20c744d6e0d7c2c2c/financial_growth_pic4.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></div></figure></td><td style="text-align: left;"><p><span style="text-align: left;font-weight: 700;">Level contribution</span><span style="text-align: left;">.</span><br /><span style="text-align: left;">Pay the same amount every year until certificate's expiry.</span><br /><span style="text-align: left;">Start early for a cheaper contribution.</span></p></td></tr><tr style="text-align: left;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt162decc9996309c4" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt162decc9996309c4/65fbc4b8a7eab4ea869182ac/shield_pic5.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></div></figure></td><td style="text-align: left;"><p><span style="text-align: left;font-weight: 700;">Available in 4 plans</span><span style="text-align: left;">.</span><br /><span style="text-align: left;">4 coverage options: Individual, Couple, Single parents and Family plan.</span></p></td></tr></tbody></table></div></div>

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    <table style="text-align: justify;">
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          <td style="text-align: right;width: 30%;"><img asset_uid="blt36ddd67d1fc412dd" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt36ddd67d1fc412dd/65fbc445039fddc48f339894/family_under_umbrella_pic1.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;" /></td>
          <td style="text-align: left;width: 70%;padding-left: 10px;">
            <p><span style="text-align: left;font-weight: 700;">Life Protection for you and whole family in one plan</span><br /><span style="text-align: left;">Cover up to 4 family members in 1 plan</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;width: 30%;"><img asset_uid="blt50f0f23df1af55f9" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt50f0f23df1af55f9/65fbc46c9b2cdae1949400b0/click_pic2.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;width: 100%;" /></td>
          <td style="text-align: left;width: 70%;padding-left: 10px;">
            <p><span style="text-align: left;font-weight: 700;">Simple and straightforward application</span><br /><span style="text-align: left;">Apply online at your convenience with no medical examination</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;width: 30%;"><img asset_uid="blt4d00e1f61fe8e509" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt67fb5eb670ada606/65fbc4880c744de54c7c2c2a/coin_growth_pic3.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;width: 100%;" /></td>
          <td style="text-align: left;width: 70%;padding-left: 10px;">
            <p><span style="text-align: left;font-weight: 700;">FWD Cashback Add-On Rider (optional)</span><br /><span style="text-align: left;">50% cashback of your total contribution paid if no claims are made until maturity. <a href="#FWDProtectionScore" style="font-size: 16px;font-weight: 700;color: #e87722;display: flex;">Learn more</a></span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;width: 30%;"><img asset_uid="bltb2a3102ddf538bf9" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb2a3102ddf538bf9/65fbc4a20c744d6e0d7c2c2c/financial_growth_pic4.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;width: 100%;" /></td>
          <td style="text-align: left;width: 70%;padding-left: 10px;">
            <p><span style="text-align: left;font-weight: 700;">Level contribution</span><span style="text-align: left;">.</span><br /><span style="text-align: left;">Pay the same amount every year until certificate's expiry.</span><br /><span style="text-align: left;">Start early for a cheaper contribution.</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;width: 30%;"><img asset_uid="blt162decc9996309c4" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt162decc9996309c4/65fbc4b8a7eab4ea869182ac/shield_pic5.svg?branch=capricorn" width="100%" alt="Image_ProductCard.png" style="text-align: right;width: 100%;" /></td>
          <td style="text-align: left;width: 70%;padding-left: 10px;">
            <p><span style="text-align: left;font-weight: 700;">Available in 4 plans</span><span style="text-align: left;">.</span><br /><span style="text-align: left;">4 coverage options: Individual, Couple, Single parents and Family plan.</span></p>
          </td>
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From as low as RM25/month, FWD Life Takaful covers: 

Brochure

Base plan - Certificate

Rider - Certificate

Base plan - Product disclosure sheet

Rider - Product disclosure sheet 

Base plan - FAQ 

Rider - FAQ

Benefit Summary

<div class="benefit-summary-download" style = "border: 1px solid #e87722; border-radius: 16px; background-color: transparent; padding: 10px; color: #e87722">
    <div class="benefit-summary-download-content" style="flex-direction: column; text-align: center; width:100%; align-self: baseline;padding-bottom:20px;">
        <img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb36192fc08c246c0/65f3ad816119727e73645a53/TPDBenefit.svg?branch=capricorn" alt="" style="margin-right: 4px; margin-top: 1px; height: 125px; margin-bottom:25px;"
        />
        <div style="font-size: 16px; font-weight: 700;">
          Accelerated TPD Benefit
        </div>
        <div>100% payout of sum covered in the event of Total and Permanent Disability.</div>
        <div>Click <a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt02d442dd57f9fe4c/66c6b5b53f4c1960c61ce099/FWD_Life_Takaful_Certificate_ENG_d1b_140824_sample.pdf?branch=capricorn#page=24" target="_blank" style="color: blue; text-decoration: underline;">here</a> for TPD definition.</div>
    </div>
    <div class="benefit-summary-download-content" style="flex-direction: column; text-align: center; width:100%; align-self: baseline; padding-bottom:20px; padding-top:20px;">
        <img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt5d23678bee188b42/65f3ad8173d0bc1eb6f3b6e0/DeathBenefit.svg?branch=capricorn" alt="" style="margin-right: 4px; margin-top: 1px;  height: 125px; margin-bottom:25px;"
        />
        <p style="font-size: 16px; font-weight: 700;">Death Benefit</p>
        <p>100% payout of sum covered up to RM 1,000,000.</p>
    </div>
    <div class="benefit-summary-download-content" style="flex-direction: column; text-align: center; width:100%; align-self: baseline; padding-top:20px;">
        <img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt25165507e681e6ea/65f3ad818330b36b8102e629/WOC.svg?branch=capricorn" alt="" style="margin-right: 4px; margin-top: 1px;  height: 125px; margin-bottom:25px;"
        />
            <p style="font-size: 16px; font-weight: 700;">Waiver of Contribution</p>
            <p>Your family continues to be covered even upon your passing or disability.</p>
    </div>
</div>

FWD Life Takaful’s benefit summary

FWD Cashback Add-On Rider

What is FWD Cashback Add-On Rider?

<div class="show_desktop" style="text-align: left;"><p style="text-align: left;">FWD Cashback Add-On Rider is an optional rider for FWD Life Takaful. You may opt in for this rider at the point of participating in the FWD Life Takaful plan to receive the maturity benefits.</p><p style="text-align: left;"></p><p style="text-align: left;">This rider provides a maturity benefit at the end of expiry of the base plan’s certificate that this rider&nbsp;is attached to. This means that the rider pays you 50% of your total paid contributions when the certificate owner’s policy is still active at the end of the coverage period. Think of this rider as a&nbsp;secret savings jar which allows you to save while protecting your family.</p><p style="text-align: left;"></p><p style="text-align: left;">The rider contribution payment term is throughout the rider certificate term and payment frequency follows the base plan.</p><p></p><div style="display: inline-block;width: 100%;text-align: left;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt16ebfaaec8144431/66025853949724ce8ef632d5/Cashback_Add-On_Rider_Visual.png?branch=capricorn" alt="Cashback_Add-On_Rider_Visual" width="400" height="auto" style="text-align: left;"/></div><p></p></div>

<div class="show_mobile" style="text-align: left;"><p style="text-align: left;">FWD Cashback Add-On Rider is an optional rider for FWD Life Takaful. You may opt in for this rider at the point of participating in the FWD Life Takaful plan to receive the maturity benefits.</p><p style="text-align: left;"></p><p style="text-align: left;">This rider provides a maturity benefit at the end of expiry of the base plan’s certificate that this rider&nbsp;is attached to. This means that the rider pays you 50% of your total paid contributions when the certificate owner’s policy is still active at the end of the coverage period. Think of this rider as a&nbsp;secret savings jar which allows you to save while protecting your family.</p><p style="text-align: left;"></p><p style="text-align: left;">The rider contribution payment term is throughout the rider certificate term and payment frequency follows the base plan.</p><div style="display: inline-block;width: 100;text-align: left;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt16ebfaaec8144431/663dabcf1077fa3f3dde779f/Cashback_Add-On_Rider_Visual.png?branch=capricorn" alt="Cashback_Add-On_Rider_Visual" style="text-align: left;max-width: 100%;width: 100%;" width="100%"/></div></div>

Family

Married Couple

Single Adult

See how the plan works for different life stages

Making a claim

How do I make a claim?

<div class="show_desktop" style="display: flex;border-radius: 24px;background: #FEF9F4;">
  <div style="flex: 1 1 50%;display: flex;align-items: flex-end;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt8def60e1c6e42708/6661c95b3ec04128727f7899/image.png?branch=capricorn" style="width: 100%;" width="100%" /></div>
  <div style="margin: 40px;margin-left: 0;display: flex;flex-direction: column;gap: 16px;flex: 1 1 50%;align-items: flex-start;">
    <h3 id="Makingaclaim" style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;">Claim online with FWD</h3>
    <div style="display: flex;flex-direction: column;gap: 8px;">
      <div style="display: flex;gap: 8px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20" />
        <div>Check if your certificate covers the claim</div>
      </div>
      <div style="display: flex;gap: 8px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20" />
        <div>All certificate owners can conveniently submit claims through our user-friendly online portal</div>
      </div>
      <div style="display: flex;gap: 8px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20" />
        <div>Track your claim progress</div>
      </div>
    </div>
    <div><a href="https://www.fwd.com.my/myPortal/html/index.html#/login" style="display: flex;padding: 10px 16px;justify-content: center;align-items: center;gap: 4px;border-radius: 4px;background: #E87722;color: #FFFFFF;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltfe335d36b56ec6c2/6661cdf2c97e387d15f14d82/image.png?branch=capricorn" style="width: 24;height: 24;" width="24" height="24" /> Customer Portal</a></div>
    <div style="font-size: 14px;">Alternatively, you can also file your claim by <a href="tel:1300 13 7988" style="font-weight: bold;color: #E87722;">Contact us</a>.</div>
    <div style="display: flex;gap: 8px;"><a href="https://www.fwd.com.my/claims/medical-reimbursement-claims/" style="font-weight: bold;color: #E87722;">Medical Reimbursement claims</a>
      <div style="height: 100%;width: 1px;background-color: #DBDFE1;"></div><a href="https://www.fwd.com.my/hospital-locator/" style="font-weight: bold;color: #E87722;">Panel hospitals</a>
    </div>
  </div>
</div>

<div class="show_mobile">
  <p style="font-weight: 700;margin: 0px;">There are two ways for you to make your claims.</p>
  <div style="text-align: center;background-color: #FEF9F4;margin-top: 16px;border-radius: 12px;padding: 0 12px;">
    <table style="text-align: center;" width="100%">
      <tbody style="text-align: center;">
        <tr style="text-align: center;">
          <td style="text-align: left;border-bottom: 1px solid #DBDFE1;padding: 12px 0;"><img style="margin-right: 4px;" asset_uid="blt2d58ab2f8c47228a" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt2d58ab2f8c47228a/6507ea8568adc28796a7ae84/arrow-right-orange.svg?branch=capricorn" /> <a href="#" style="font-weight: 700;color: #000;">MyPortal</a> </td>
        </tr>
        <tr>
          <td style="text-align: left;padding: 12px 0;"> <img style="margin-right: 4px;" asset_uid="blt2d58ab2f8c47228a" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt2d58ab2f8c47228a/6507ea8568adc28796a7ae84/arrow-right-orange.svg?branch=capricorn" /><a href="#" style="font-weight: 700;color: #000;">Contact Us</a></td>
        </tr>
      </tbody>
    </table>
  </div>
  <p style="margin-bottom: 8px;margin-top: 24px;">Make your claims within 30 days and ensure that you have all the documents needed for your claim.</p>  
</div>

See more FAQs

Frequently asked term takaful questions

<div style="display: flex;align-items: center;gap: 4px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0cf5d9fe50dd418f/65c1fc31b3cfc08374e5e457/Calculator.svg?branch=capricorn" alt="Calculator.svg" height="auto" /> <a style="font-weight: 700;color: #E87722;font-size: 16px;" href="https://www.mycoverage.my/en/calculator/term_coverage/" target="_blank">Estimate how much you need</a>
  <p></p>
</div>

You can reach us on Monday - Friday, 9am-6pm 
(except weekends and public holidays)

Contact us at 1300 13 7988

Send us a message and we will contact you as soon as possible.

Leave us a message

Contact us

Got a question?

<div class="show_desktop">
  <table>
    <tbody>
      <tr>
        <td><img width="214" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 214;height: auto;" height="auto" /></td>
        <td style="padding-left: 24px;"> <span style="font-size: 16px;line-height: 24px;">The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM's <a target="_blank" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #E87722;">TIPS Brochure</a> or contact FWD Takaful Berhad or PIDM (visit <a href="www.pidm.gov.my" target="_self" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</span>
          <p></p>
          <p style="font-size: 16px;line-height: 24px;"></p>
          <p></p>
        </td>
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    </tbody>
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<div class="show_mobile">
  <div style="display: flex;justify-content: center;flex-direction: column;align-items: center;"><img width="274" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 274;height: auto;" height="auto" /></div>
  <p>The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM's <a href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" target="_self">TIPS Brochure</a> or contact FWD Takaful Berhad or PIDM (visit <a href="www.pidm.gov.my" target="_self" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</p>
</div>

Certificate - IB

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Let's start with your details.

About you

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltad0d4cc33d20d724/66fcd801394fa733ba5ce1a4/FWD_Big3_CI_Certificate_ENG_d1b_140824_(1).pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt659613fa2b0b29b7/66bb8ab72f80d2aec3f33091/PDS_Big3_Critical_Illness_ENG_v3.2_20240718_UIUX.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Let us get to know you better

Assessment

<ol style='display: flex; flex-direction: column; gap: 20px; font-size: 14px;'><li>Have you ever had, or been told that you have, or are you currently under investigation for diabetes, high blood pressure, cardiovascular disease, cerebral vascular disease, nervous system disorder, urogenital disorder, AIDS or infection with HIV, cancer, carcinoma in situ, pre-malignant changes, tumour, lump or polyp?<br><span style='color: #636566; font-size: 12px;'>For tumour, lump or polyp which have been removed without recurrence and confirmed as benign, please select ‘No’.</span></li><li>In the past 2 years, have you had abnormal results or results outside the normal range in a pap smear, mammogram, breast ultrasound, prostate examination or tumour marker blood test?</li><li>In the past 3 months, have you experienced unexplained weight loss of 5 kg or more; blood in urine, persistent coughing, bleeding from the bowels or in stools, diarrhoea or constipation for 30 days or more?</li></ol>

Let’s start with your details.

Once your application is approved, you will receive an SMS to access your new e-certificate. If you do not receive your SMS within 24 hours, kindly contact us via our hotline number.

Just a few quick health questions.

Choose payment method

Based on the information you have provided, we recalculated your contribution. Please make sure you can afford the new contribution.

You must be a parent, spouse, or legal guardian of the dependant and will need to provide proof of relationship.

You're currently on an active plan and your current selection exceeds the RM 200,000 limit per person covered. The sum covered has been adjusted according to the maximum coverage limit allowed under this plamn. Please make sure you can afford the new contribution.

Participate as a family, protect yourself, spouse and up to two kids.

The certificate term for spouse and child(s) is calculated subject to maximum expiry age and certificate owner’s certificate term.

<p><b>I hereby irrevocably and unconditionally:</b></p>

<p>Confirm that I am the payor and I authorise FWD Insurance Berhad to debit this credit/debit/bank account/e-Wallet for my payment of premium for this application, including subsequent payment premiums upon issuance of this insurance policy and</p>

<p>Confirm that I have read, understood and fully agree to all the <a  href="#" data-content-type="shared_content_container" data-content-id="bltef1e1917b2a968f3" data-display-type="modal" data-display-properties="{&quot;displayProperties&quot;:[{&quot;media&quot;:{&quot;min-width&quot;:&quot;320px&quot;},&quot;width&quot;:&quot;100%&quot;,&quot;max-width&quot;:&quot;502px&quot;,&quot;height&quot;:&quot;100%&quot;,&quot;max-height&quot;:&quot;100%&quot;}]}" style="color:#e87722;text-decoration: none;"><b>Terms and Conditions</b></a> for e-payment transactions.</p>

<p>Understand that FWD Insurance Berhad shall take steps to comply with laws, regulations and requests of relevant authorities in the areas of sanctions, anti-money laundering and counter-terrorism financing, inclusive but not exhaustive of the sanctions adopted by the, but not limited to, United Nations Security Council (“UNSC”) and Ministry of Home Affairs (“MOHA”).  These steps could include ending your proposal, freeze, as well as treating premiums paid and amounts payable under your policy, in any manner we deem appropriate.</p>

Submission

Deductible amount

Complete purchase in a few simple steps

Based on the person covered’s health details and their eligibility to apply for the product, the sum covered has changed. We’ve recalculated your contribution. Please make sure you can afford the new contribution.

The sum covered for the people below exceeds the conditions set by FWD

Please enter your child’s details. All fields are mandatory unless otherwise stated.

All fields are mandatory unless otherwise stated.

Please enter your spouse’s details. All fields are mandatory unless otherwise stated.

Financial analysis

Before we start

Your analysis result

Front

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old {{gender}}.<br/><br/>

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old.<br/><br/>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li></ul></p>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li><li>Coronary artery by-pass surgery</li><li>Kidney failure</li></ul></p>

Tell us more about you.

Your policy contract will be sent to you via email and WhatsApp within the next 24 hours. If you do not receive your policy, please <a href='https://www.fwd.com.my/support/contact-us' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b>contact us.</b></a>

<p>Please <strong>open</strong> and <strong>read</strong> the declaration below and confirm:</p>

You can determine a percentage of your sum covered to be donated to support a selected charity body upon your passing.

Do you want to donate your sum covered?

<div>I consent to the disclosure of my personal details and person covered details for application of this Takaful certificate and its related services. I confirmed that I have read and understood the Personal Data Protection Notice as made available at <a target='blank' href='https://www.fwd.com.my'>www.fwd.com.my</a>. I am aware that this consent can be withdrawn at any time by giving a written notice to FWD Takaful.</div>

Let’s start with your details

Your Takaful Certificate Schedule will be sent to your email within 24 hours. If you fail to receive the Schedule, please contact us via our hotline. Upon receiving your Takaful Certificate Schedule, you have 15 days to get a full refund if you change your mind.

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt833acd4fa4ddb0b2/Certificate_FWD_Big3_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt7542ed214cf79917/PDS_Big3_Critical_Illness_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Thank you for your enquiry

Thank you for your interest in our product

The link is no longer valid

Link sent

Mailing address

Tell us more about your child.

About your child

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte25f861e10234eca/66bb812d88b74e7642b10f51/[24-159_3_8]_FWD_MedicalCare_ENG_d4_090824.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt8aacdf8c96794fab/67adc07861b3d22a860edbad/PDS_FWD_Medical_Care_ENG_v1.2_20241226_Clean_UIUX_(Removed_Step_3_).pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Based on the information you've provided, we've recalculated your contribution. Please make sure you can afford the new contribution.

Contribution is updated

Your height and weight

Your child's height and weight

Your health condition

Your child's health condition

Your occupation

Your child's occupation

Based on the information you have provided, we recalculated your contribution and sum covered amount. Please make sure you can afford the new contribution.

Your ID (NRIC) card - back

Your ID (NRIC) card - front

You’re currently on an active plan and your current selection exceeds the RM 200,000 limit per person covered. The sum covered has been adjusted according to the maximum coverage limit allowed under this plan. Please make sure you can afford the new contribution.

Name

Nomination(s)

Assign nominee (optional)

Nomination

Add Nomination and Witness

A nominee is a person who will receive the proceeds from your policy upon death.

You may assign nominee now or after the completion of the purchase process via customer portal.

Because the information you provided does not match the conditions for our consideration, therefore we are unable to proceed with the application. We recalculated your contribution and insurer list.

Verification code

Unable to resume your application

OTP verification fail

OTP Verification

Last step! Payment details

Your plan

Before we start, please confirm...

<p style="font-size: 12px; margin-block-start: 0px;">The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure.<br/><a href="https://www.fwd.com.my/support/contact-us/" target="_blank" style="margin-right:8px;">Contact Us</a><span style="border-left: 1px solid #636566; height: 16px;"></span><a href="https://www.pidm.gov.my/my" target="_blank" style="margin-left:8px;">PIDM</a></p>

According to your covered persons' health details and their eligibility to apply the product, the contribution has been changed. <br/>We recalculated your contribution. Please make sure you can afford the new contribution.

The person(s) covered does not pass health screening.

Plan is updated

Mari mulakan dengan maklumat anda

Latar belakang anda

Let’s create a takaful pre-existing illnesses other than pre-existing learning or physical disability (where applicable) that we have specifically accepted to be covered under the certificate;
ul plan together

Confirmation

Your policy contract will be sent to you via email and WhatsApp within the next 24 hours. If you do not receive your policy, please <a href='https://www.fwd.com.my/support/contact-us' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b>contact us</b></a>.

Your hospitalisation costs as well as surgical, anaesthetist’s and physician’s fees covered.

Covers unexpected costs like ambulance fees which can go up to RM200 per trip.

Covers your medical and treatment expenses up to 30 days post hospitalisation.

Plan updated

You will be redirected to an external payment portal, please choose a bank to proceed.

Are you sure to remove your nominee {{fullName}}?

Residential address

Based on the information you provided, we have revised your premium. Please make sure you can afford the premium

Save for later

Selected plan

Future payment will now be charged into the account you specified. If you wish to update your payment details, please login to <a href='https://www.fwd.com.my/en/customer-portal/login' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b><u>Customer Portal</u></b></a>.

Recurring payment is all set

Set up recurring payment

<p><strong>I confirm that:</strong></p>

Our records indicate that you have already used the promo code in a previous application and we recalculated your premium. Please check to ensure you can afford the new premium.

Premium updated

Thank you for purchasing our product. Please spare a few minutes to leave a comment about our platform.

Leave us your feedback

Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.

<p><strong>Person covered</strong></p>

<p><strong>Your certificate summary</strong></p>

Application information

Applicant basic information

Latar belakang

Your Information

Let’s check one last time.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided about yourself are accurate.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided for the person covered and yourself are accurate.

Upload document(s)

Upload document

<div style="text-align: center;">If you need any help, feel free to <a target="_blank" href="https://www.fwd.com.my/support/contact-us/">contact us</a>.</div>

<p>To make a claim, please refer to the <a href="https://www.fwd.com.my/claims/#takaful" target="_blank" rel="noopener noreferrer" style="color:#e87722;">claims guide</a>. If you wish to access all other product documentation, click <a href="https://www.fwd.com.my/medical/specialmed" target="_blank" rel="noopener noreferrer" style="color:#e87722;">here</a>. For any other enquiries, our customer service can be reached at <a href="tel:/1300137988" target="_blank" rel="noopener noreferrer" style="color:#e87722;">1300 13 7988</a> or email <a href="mailto:contact.my@fwd.com" target="_blank" rel="noopener noreferrer" style="color:#e87722;">contact.my@fwd.com</a>.</p>

<p>To make a claim, please refer to the <a href="https://www.fwd.com.my/claims/#takaful" target="_blank" rel="noopener noreferrer" style="color:#e87722;">claims guide</a>. If you wish to access all other product documentation, click <a href="https://www.fwd.com.my/life-insurance-takaful/life-takaful-with-cashback-add-on/" target="_blank" rel="noopener noreferrer" style="color:#e87722;">here</a>. For any other enquiries, our customer service can be reached at <a href="tel:/1300137988" target="_blank" rel="noopener noreferrer" style="color:#e87722;">1300 13 7988</a> or email <a href="mailto:contact.my@fwd.com" target="_blank" rel="noopener noreferrer" style="color:#e87722;">contact.my@fwd.com</a>.</p>

Witness

Unable to proceed with some of the application(s)

We’re unable to accept your application online as the information provided does not match the conditions required by FWD.

<p>Sorry, we are unable to process <strong>{{fullName}}</strong> as your nominee. You can choose to skip this step for now or nominate another person.</p>

Please upload required document(s).

Upload

Please confirm...

Let's get to know you better.

Assessment questions

Cancer

Notes for applicant

Occupation group

Please answer the below underwriting questions for your child. All fields are mandatory unless otherwise stated.

Your general information

{{fullName}}'s general information

{{fullName}}'s health condition

{{fullName}}'s occupation

Please answer the below underwriting questions for spouse. All fields are mandatory unless otherwise stated.

Please make sure the information below matches the witness’s NRIC.

Your witness

Choose a witness

Add witness

<p>It is mandatory for a witness who is not the policyholder and/or nominee(s) to provide a Witness Signature.<br /></p><p>Witness must be at least 18 years old, be a person of sound mind, and not named as policy holder and/or nominee(s)</p>