The One

The One Icon

Product Overview

The One allows you to select a plan and riders that match your need.

Available to 18 to 70-year-old Filipinos or legal residents of at least 6 months, who are in good health.

Coverage Icon

Choose your coverage

Select a variant that includes one, two, or all three benefits.

Death Benefit
Your beneficiaries will receive a Death Benefit if you pass away.

Accidental Death Benefit
Build on your plan by adding accidental death benefit. Your beneficiaries will receive a cash benefit when you pass away due to an accident.

Critical Illness Benefit
Add coverage for critical illness and claim a benefit amount when you are diagnosed from any of the 42 covered major critical illnesses.


Variants

The One
for Life, Accident, and Critical Illness

FWD Philippines
₱150,000
Death
Benefit
FWD Philippines
₱250,000
Accidental Death
Benefit
FWD Philippines
₱100,000
Critical Illness
Benefit

The One
for Life and Accident

FWD Philippines
₱150,000
Death
Benefit
FWD Philippines
₱250,000
Accidental Death
Benefit

The One
for Life and Critical Illness

FWD Philippines
₱150,000
Death
Benefit
FWD Philippines
₱100,000
Critical Illness
Benefit

The One
for Life

FWD Philippines
₱150,000
Death
Benefit

Benefit Summary

Issue age

18 - 70

Premium payment term

Annual, Semi-annual, or Quarterly payment. Death Benefit is renewable up to insured's age 99. Accidental Death and Critical Illness Benefits are renewable up to insured's age 79.

No premium increase

Enjoy no premium increase after every 5 years if you continually renew your plan on time — for your base plan and any add-on coverage you have.

Benefit term

1-year coverage. Death Benefit is renewable up to insured’s age 99. Accidental Death and Critical Illness Benefits are renewable up to insured’s age 79.

Benefits Amount

Variant

Death Benefit

Accidental Death Benefit

Critical Illness Benefit

The One for Life, Accident, and Critical Illness

₱150,000

₱250,000

₱100,000

The One for Life and Accident

₱150,000

₱250,000

-

The One for Life and Critical Illness

₱150,000

-

₱100,000

The One for Life

₱150,000

-

-


Please make sure you are eligible for this product before applying.
The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.

Not exactly what you need?

If you are looking for a product that offers broader benefit coverage and higher benefit limits. Please contact us for more information.

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Frequently asked life insurance questions

Am I eligible to buy FWD The One Life Plan?

You may buy The One if you are 18 to 70 years old, and agree with the 3 insurability questions in the application form.

When will my coverage start and end?

Your coverage will start on the effective date shown on the policy data page in your contract, and ends after a period of one year.

You may renew the Death Benefit until age 99. You may renew the Critical Illness and Accidental Death Benefits until age 79.

When will claims not be paid?

For Death Benefit, you cannot claim if death is due to attempted suicide or deliberate self-harm of the insured while sane within 2 years from the policy’s effective date. In this case, we will return all paid premiums to the beneficiaries.

For Accidental Death Benefit, we will not pay any benefit if the claim arises from you committing any illegal or unlawful act (including terrorist act), or failure to act, or if the claim arises from war or any act of war (whether declared or not), or any civil or military uprising.

For Critical Illness Benefit, we do not pay any major critical illness benefit if signs of a condition become apparent to the insured person within the no-claim period even if the condition is diagnosed on or after this period by a medical practitioner. Also, we do not pay any critical illness benefit if the claim arises from a pre-existing condition. Claims due to drug or alcohol abuse, HIV, psychiatric-related causes, suicide or self-inflicted acts, unlawful act and war will also be excluded.

Please check your for the full details.

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