Celebrate Living

fwd.com.ph

Take control of your health and wellbeing, from

wellness to recovery, so you can pursue your life
goals with less worries!

Hi , Ms Mary May Sy !

Thank you for considering FWD Vibrant Critical Illness Plan. We, at FWD,
understand that you are in that stage in your life where you aim for bigger and
better things, for you and your family. But in your quest to pursue your goals, you
often forget about maintaining good health. So, we designed a product that’ll
help you take control of your health and wellbeing—from wellness to recovery—
so you’re covered before anything happens right up to after everything happens.

With this sales illustration, we will show the benefits you will receive. It will also
explain what are covered and what are not.

This sales illustration is prepared today, April 7, 2024, and is valid until July 5,
2024. Quotation
reference no.: 0192770000028

1
FWD Critical Illness Plan
FWD Vibrant Critical Illness Plan gives you extensive
benefits from screening, to treatment, to recovery so you
can better take care of your health and wellbeing, before
anything happens right up to after everything happens.

What you’ll get

Critical Illness Protection Until Age 100

Up to 6x Major Critical Illness Benefit
You will get 100% of the sum assured if insured is diagnosed with
late-stage cancer or a covered non-cancer major critical illness.
See the list in section Major critical illnesses you’re covered
for.You can claim up to 3x for late-stage cancer and 3x for non-
cancer illnesses. One cannot claim twice for the same non-
cancer illness, except for heart attack and stroke, which may be
claimed 3x.

Minor Critical Illness Benefit

You get 25% of the sum assured up to a maximum of
₱ 1,000,000 if insured diagnosed with a covered minor critical
illness to help with the treatments. See the list in section Minor
critical illnesses you’re covered for. This benefit is payable only
once but you are still eligible to receive your other benefits.

Life Protection
Death Benefit
Your beneficiary will get 100% of the sum assured if the insured
dies before age 100. This benefit will end once there is a first
major critical illness claim.

2
FWD Critical Illness Plan
 What you’ll get

Recovery Support

Health Supplement Benefit

You will get 2% of the sum assured for six consecutive months
upon the first major critical illness claim to help with medical
expenses.

Waiving of Future Payments

FWD will waive all premiums due (amount to pay) if:
1. you die; or
2. you become disabled before reaching the age of 70; or
3. you were diagnosed with a covered major critical illness for
the first time.

Wellness and Longevity Benefits

Health Screening Benefit

You will get 0.2% of the sum assured on the 2nd, 4th, 6th, 8th,
and 10th policy anniversaries, as long as there is no major critical
illness claim. This will help in monitoring health and wellbeing.

Maturity Benefit
You will get 100% of the sum assured if insured reaches age 100
and has not claimed for any major critical illness. This benefit will
no longer be given once there’s a major critical illness claim.

3
FWD Critical Illness Plan
4
FWD Critical Illness Plan
 Your proposal details
Sum assured Coverage period Details Policy owner Insured
Insurance plan (Amount you‘re (No.of years
covered for) you‘re covered) Name Ms Mary May Sy Mr Mar Shiloh Sy
Gonzales

Gender Female Male

FWD Vibrant Critical ₱ 1,000,000.00 97
Illness Plan Date of birth September 5, 1995 October 1, 2020

Issue age 28 3

Your benefits Benefit amount Benefit period Premium amount

(Amount you pay)

Major Critical Illness Benefit

(100% of the sum assured)
Claim up to 3x for late-stage cancer and 3x for ₱ 1,000,000.00 per claim 97 Years
non-
cancer illnesses. You cannot claim twice for the
same
non-cancer illness, except for heart attack and
stroke, which may be claimed 3x.

Minor Critical Illness Benefit

(25% of the sum assured)
This benefit can only be claimed once. See “ ₱ 250,000.00 97 Years
Minor critical illnesses you’re covered for”
section for the full list.

Death Benefit or Maturity Benefit

(100% of the sum assured)
If you already claimed for a Major Critical Illness ₱ 1,000,000.00 97 Years
Benefit, Death Benefit or Maturity Benefit is no ₱ 43,880.00
longer claimable.

Health Screening Benefit

(0.2% of the sum assured)
Benefit will end if Insured dies or if there’s a ₱ 2,000.00 97 Years
major critical illness claim during the first 10
years of the policy.

Health Supplement Benefit

₱ 20,000.00 97 Years
(2% of the sum assured)

Waiving of Future Payments Waives total premiums 10 Years ₱ 794.67

Premium payment details Premium per payment frequency

Premium (Amount to pay) ₱ 4,244.50
Annual Semi-annual
Payment frequency Monthly ₱ 44,674.67 ₱ 23,677.17
Quarterly Monthly
Years to pay 10 ₱ 12,508.50 ₱ 4,244.50

The premium shown here may be adjusted but only with prior approval from the Insurance Commission. FWD will reach out to you before we make any adjustments.
Other terms and conditions for this policy will be presented in the contract.

5
FWD Critical Illness Plan
 Your cash values

We pay a cash value for the policy if you request that we end the policy before its
expiry date. You will see the equivalent cash value on the table below.
Remember: You cannot reinstate the policy if you already received the cash value.

Table of cash values per policy year

Cash values are guaranteed at the end of policy year as long as premiums are paid in full.
You may request for the values applicable to the durations not shown in this table.

Policy Age Annualized Supplementary Total cash value

Base plan cash value (Base plan + Supplementary benefits)
year premium benefit
cash value
With major Without With major Without major
critical illness major critical critical illness critical illness
claim Illness claim claim claim

1 3 50,934.00 0.00 0.00 0.00 0.00 0.00

2 4 50,934.00 2,230.00 3,360.00 0.00 2,230.00 3,360.00
3 5 50,934.00 18,250.00 29,080.00 0.00 18,250.00 29,080.00
4 6 50,934.00 28,000.00 43,750.00 0.00 28,000.00 43,750.00
5 7 50,934.00 38,160.00 60,670.00 0.00 38,160.00 60,670.00
6 8 50,934.00 48,730.00 76,600.00 0.00 48,730.00 76,600.00
7 9 50,934.00 59,690.00 94,790.00 0.00 59,690.00 94,790.00
8 10 50,934.00 71,320.00 115,320.00 0.00 71,320.00 115,320.00
9 11 50,934.00 83,400.00 140,040.00 0.00 83,400.00 140,040.00
10 12 50,934.00 95,930.00 163,620.00 0.00 95,930.00 163,620.00
11 13 0.00 98,900.00 169,620.00 0.00 98,900.00 169,620.00
12 14 0.00 102,510.00 175,850.00 0.00 102,510.00 175,850.00
13 15 0.00 106,570.00 182,300.00 0.00 106,570.00 182,300.00
14 16 0.00 110,780.00 188,940.00 0.00 110,780.00 188,940.00
15 17 0.00 115,100.00 195,720.00 0.00 115,100.00 195,720.00
16 18 0.00 119,570.00 202,670.00 0.00 119,570.00 202,670.00
17 19 0.00 124,200.00 209,810.00 0.00 124,200.00 209,810.00
18 20 0.00 129,030.00 217,180.00 0.00 129,030.00 217,180.00
19 21 0.00 134,030.00 224,770.00 0.00 134,030.00 224,770.00
20 22 0.00 139,220.00 232,610.00 0.00 139,220.00 232,610.00
63 65 0.00 467,160.00 765,380.00 0.00 467,160.00 765,380.00
73 75 0.00 485,890.00 884,000.00 0.00 485,890.00 884,000.00
97 99 0.00 0.00 0.00 0.00 0.00 0.00

Above illustration includes base plan and any attached supplementary benefit.

6
FWD Critical Illness Plan
7
FWD Critical Illness Plan
8
FWD Critical Illness Plan
 What we don’t cover

FWD keeps its exclusions to a few because we want you to celebrate

living more. Here’s a summary of the few things that we do not
cover in this plan. You can check the finer details in the FWD Vibrant
Critical Illness policy contract.

Base plan (FWD Vibrant) and SurePro

We will not pay any death benefit if the claim

arises from suicide or self-inflicted act by the
Insured while sane within two years.
We will not pay any major or minor critical illness
benefit if the claim arises from the list of exclusions
below:

the Insured committed any illegal or unlawful act,

or failure to act;
suicide or a deliberate self-inflicted act by the
Insured;
war or any act of war (whether declared or
not), or any civil or military uprising;
alcohol or drug abuse that causes Alzheimer’s
disease, late stage cancer, chronic liver disease,
chronic recurrent pancreatitis, coma or
Parkinson’s disease;
cancer or encephalitis in the presence of HIV
infection;
loss of independent existence due to
psychiatric related causes; and
pre-existing condition

We will not pay any major or minor critical illness

benefit if the Insured first experiences signs of a
condition within 90 days after the effective date of
the policy.

Canceling this policy

If you find this plan is not suitable for your needs, you can
cancel within 15 days from the date it has been delivered
to you. Just send us a written request.

Upon cancellation, we will return all your paid premiums

for this policy. No interest will be paid on the refunded
amount.

If a claim is payable for this policy before we received your

request for cancellation, we will pay you the claim amount
instead of the refund.

9
FWD Critical Illness Plan
 Acknowledgement by the Owner

I acknowledge by signing below. I signify that I have carefully read and understood the disclosures and
information contained in this sales illustration, and that my Financial Wealth Planner has fully explained
to my complete satisfaction the principal features and benefits of this plan. This Sales Illustration is valid
for three (3) months from the date it was prepared. Any alteration shall invalidate this sales illustration.

Ms Mary May Sy

Policy Owner Date accepted

Beverly Anne Dilao Dela Cruz Advocate. R. 10016471

Ramiscal SO CodeXL Broker

Primary Financial Wealth Planner Code and Unit Name

Secondary Financial Wealth Planner Code and Unit Name

10
FWD Critical Illness Plan