Find the takaful plan that works for you
We’re proud to be one of Malaysia’s leading family takaful providers
Our Feature Life Product
FWD Life First
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.
Infectious Disease benefit
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:
- Dengue Fever
- Tuberculosis
- Viral Hepatitis
- Malaria
- Cholera
- Typhoid
- Japanese Enchaphalitis
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:
- Chikungunya
- Dengue
- Japanese Encephalitis
- Malaria
- Zika
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.
Maturity benefit
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.
Badal Hajj*
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.
Grief Counselling
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.
Legal Advice
We’ll reimburse the actual amount for up to 3 legal advice sessions; until the total amount charged reaches RM2,000.
FWD Income First
Protection that keeps up with your family
Life can change at an extraordinary speed. As your family grows, we understand your increasing needs for care and protection. FWD Family First takaful plan provides cirtical illness coverage to your entire family under one single plan, so you don’t have to pay and juggle individual plans for each family member.
An easy way to commit to a savings goal
You can set aside the money for future needs while having the flexibility of annual payout to use as you please.
Annual guaranteed cash payment
You can choose to accumulate this in your Participants’ Savings Account (PSA) or credit it to your bank account.
Protection bonus, just in case
Includes added protection upon death or total permanent disability (TPD), plus funeral expenses.
FWD Hajj Rider
Fulfil your spiritual pilgrimage while being protected
As a Muslim, we know you’d like to perform your Hajj or Umrah at least once in your lifetime. But you may not be prepared financially should any unfortunate things happen before or during your trip. This is why our takaful add-on can help you perform your obligations at peace. With this rider, you can get covered for any death and total & permanent disability that happens before, during, or after your pilgrimage trip.
Coverage for death from MERS virus
On top of other coverage, you can also get an additional 100% rider sum covered if death is from the MERS virus.
Spouse compassionate benefit
Upon the death of spouse during Hajj or umrah, get benefit of 50% rider sum covered or RM100,000, whichever is lower.
Cash benefit for your pilgrimage
With this add-on, you can get pocket money to be used for your Hajj or Umrah. Get regular cash payment of 3% of rider sum covered payable every 2 years, and you can also get RM2,000 cash allowance before or after your trip.
Coverage upon death or total and permanent disability on any cause
Get a 100% add-on sum covered upon death or total and permanent disability (TPD) on any cause. This add-on will get you covered even before you perform your pilgrimage.
Higher amount of coverage for death or total and permanent disability during your pilgrimage
We’ll give you more coverage if an incident happens during your pilgrimage. During your Hajj or Umrah, get a higher amount of sum covered for death or total and permanent disability due to natural cause, accidental cause, or accidental cause in public conveyance/elevator/car/building