The One

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Product Overview

Create your own life insurance plan with add-on benefits according to the beat of your life.

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

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Curate your life insurance 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.

The One for Life

Benefits

Death Benefit

₱150,000 to ₱290,000

Enhanced life protection option

Accidental Death Benefit

₱250,000 to ₱490,000

Health protection option

Critical Illness Benefit

₱100,000 to ₱190,000

Variants

Death, Accidental Death, & Critical Illness Benefits

Policy Provisions

Death & Accidental Death Benefits

Policy Provisions

Death & Critical Illness Benefits

Policy Provisions

Death Benefit

Policy Provisions

Life Insurance 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.

Plus! No premium increase

Surprise! Enjoy this unique benefit of no premium increase after every 5 years if you continually renew your plan on time — applicable 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.

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 for music lovers plan?

Yes you may buy The One for music lovers 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.