Keep your family secure against the insecurities in life.
We designed FWD Life First for people like you. It ensures that your family will have financial support if you’re down due to an illness, an accident, or a disease. But it doesn’t stop there. In the event of an accident happens to your family member, FWD Life First will also provide financial support to help you getting through the challenging time.
FWD Life First is a protection plan designed to look into the needs of your whole family – from your parents to your children – should you not be able to carry out your responsibilities.
provides a one-time payment amount of RM5,000 upon diagnosis and admission into hospital for 5 or more consecutive days as as a result of any one of the covered diseases:
Multiple Indemnity benefit due to accidental causes
200% sum covered and your account value in the PSA payable upon death or TPD due to accidental cause.
300% sum covered and your account value in the PSA are payable upon death or TPD due to accidental causes while in a public conveyance, elevator or burning public building.
500% sum covered and your account value in the PSA are payable upon death or TPD due to accidental causes while travelling abroad.
Mosquito-borne Disease benefit
200% sum covered and your account value in the PSA payable upon death from:
Note: Maximum sum covered payable for this benefit is RM200,000.
Death or Total and Permanent Disability (TPD) benefit
100% sum covered and your account value in the Participants’ Savings Account (PSA) payable upon death or TPD due to natural causes.
Family Compassionate Care
provides a lump sum of RM15,000 per person up to 6 family members (1 parent, 1 spouse and 4 children) will be payable upon accidental death.
provides a lump-sum payment at the end of the certificate term. At maturity, we will pay your total account value in the PSA.
Financial, emotional and practical support all in one plan.
At FWD Takaful, we understand what happens to families when a spouse or parent dies or becomes totally disabled. They feel lost and are unable to move on, resulting in a derailment of their future plans.
FWD Life First provides financial support as well as emotional and practical support, to get your family back on their feet.
We’ll provide Badal Hajj support for Muslim customers where we’ll arrange** and pay for the Badal Hajj from our panel of service providers.
*For non-Muslims, we’ll pay a lump sum benefit of RM2,000.
**We reserve the right to pay this benefit in cash for the amount of RM2,000.
We’ll reimburse the actual amount charged for up to 10 grief counselling sessions from our panel; until the total amount charged reaches RM2,000.
We’ll reimburse the actual amount for up to 3 legal advice sessions; until the total amount charged reaches RM2,000.
How this plan works
A chart that details the claims and benefits you are entitled to throughout the course of your plan, and what happens after maturity
Learn more about the benefits and how you are protected through this Life First package.
Reach out to our financial advisors to get copies of the Product Disclosure Sheet (PDS), Benefit Illustration and the Certificate of the plan. FWD Takaful Berhad, Registration No. 200601011780 (731530-M) is a registered takaful operator under the Islamic Financial Services Act 2013, regulated by Bank Negara Malaysia.
Want to know more about our products? Here's a few of our most commonly asked questions, and the answers that may help.
What is FWD Life First Plan?
FWD Life First is an ordinary family Takaful plan with regular level contribution that provide Takaful protection benefits of up to age 100. It provides coverage upon death or total and permanent disability (TPD) of the Person covered against unfortunate circumstances. The coverage is also expanded to the family members of the person covered with additional financial support upon accidental health. Upon maturity, a maturity benefit is payable.
Is this product Shariah-compliant?
Yes. The product is certainly Shariah-compliant. The following Shariah concepts are applicable:
Wakalah: The contract where the participant appoints the Takaful Operator to manage the Participants' Risk Fun (PRF) and agrees to remunerate the Takaful Operator on pre-agreed basis for the services provided.
Tabarru': A donation for the purpose of Takaful.
Ju'alah: This is the reward to the Takaful Operator for the good performance of the PRF and Participants' Savings Account (PSA) it manages.
PRF: The Takaful Operator will be rewarded with a 50% share of the distributable surplus from the PRF and the remaining 50% will be distributed to eligible participants.
PSA: 30% of the profit from the PSA will be rewarded to the Takaful Operator as an incentive
Qard: An interest-free loan that we grant to the PRF if it is in deficit. The loan is repayable from the future surplus arising in the PRF.
Who is eligible to be covered by this plan?
Those eligible to be covered under this plan are:
Age Next Birthday (ANB)
Minimum age at entry
30 days old
Maximum age at entry
70 years old (subject minimum 10 years term, maximum expiry 70/80/100 ANB)
How is the contribution calculated for this plan?
The contribution calculated for this plan?
Age at inception
Gender of the person covered
Smoker or non-smoker
Find out more
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