FWD Insurance launches ‘FWD Future Linked 99/9’:  Empowering life protection and investment growth in one flexible solution

FWD Life Insurance Plc. (“FWD Insurance”) introduces another powerful option for customers to plan their future on their own terms with “FWD Future Linked 99/9” — a unit-linked insurance solution that combines life protection with long-term investment potential. Designed for those who value the freedom to choose, this plan empowers customers to pursue financial goals that evolve with life’s changing rhythms..

The product is launched amidst the rising popularity of unit-linked insurance. According to the Thai Life Assurance Association, total premiums in this category reached 35.76 billion baht in 2024, reflecting 8.84% growth, and now account for 5.47% of total industry premiums — a clear signal that more consumers are seeking solutions that offer protection, flexibility, and the ability to actively manage their investments all in one.[1]

Mr. David Korunić, Chief Executive Officer for Thailand & Cambodia at FWD Insurance, said: “We clearly see this emerging trend and have translated that insight into the development of ‘FWD Future Linked 99/9’. It offers a truly flexible solution that reflects the diverse needs of customers — from executives and business owners to investors and professionals looking to secure their long-term financial future. This product offers dynamic portfolio control, robust life protection, and exclusive benefits that can help strengthen financial security and peace of mind for years to come.”

FWD Future Linked 99/9 is thoughtfully designed to empower customers to live life on their own terms, with standout features including:

·       A 9-year premium payment period with life protection up to age 99
(Coverage period is subject to fund performance and the surrender value of investment units)

·       Life coverage up to 50 times the main policy premium (Depending on the insured’s age)

·       Ongoing special bonuses throughout the policy term – Upon completing premium payments, customers will receive annual bonuses until the policy anniversary at age 59, followed by monthly bonuses from age 60 onwards. Customers will also receive double monthly bonuses in policy years where investment returns decline, offering additional reassurance during times of market volatility.

·       Comprehensive investment services to support personalized portfolio management – Whether customers prefer to select from high-quality mutual funds on their own, follow recommended model portfolios for unit-linked insurance, or opt for Automatic Recommended Portfolio Rebalancing by investor’s risk level every three months, FWD provides flexible tools to help them efficiently achieve their financial goals.  

·       Tax benefits of up to 100,000 baht per year – Insurance-related expenses such as insurance premiums and policy administration fees are eligible for personal income tax deduction. However, the investment portion is not tax-deductible, in accordance with the guidelines set by the Revenue Department.

Note: Terms, benefits, and coverage are subject to the conditions specified in the policy.

Another key highlight of this product is “FWD Utmost” — an exclusive privilege for customers holding unit-linked life insurance policies with total annual premiums of 2 million baht or more. This premium program delivers superior care experience across every dimension of life, including health, travel, lifestyle, and personal assistance. It is thoughtfully designed to support customers in every aspect of their lives — from personalized holistic wellness and access to world-class medical services, to bespoke travel planning and unforgettable lifestyle experiences both in Thailand and abroad.

For more information about the “FWD Future Linked 99/9” insurance, please learn more at www.fwd.co.th/th/investment-linked-insurance/. To explore the “FWD Utmost” experience, visit: https://www.fwd.co.th/th/rewards/fwd-utmost/ or contact an FWD Insurance agent nationwide, or call the FWD Customer Service Center at 1351.

Note: Prospective buyers should fully understand the coverage details, product features, protection, return conditions, and associated risks before making any investment or insurance decisions.