FWD Invest First Horizon Review [2025]

FWD Invest First Horizon is a Regular Premium investment-linked plan that maximises your investment growth with a transparent, fixed charge structure.

FWD Invest First Horizon product details

• Life Policy – Investment-linked policy
• Fixed charge structure
  • Know your charges upfront, optimise policy value as it accumulates
• Booster bonus
  • Up to 60% over the first 2 years of egular premium payments.
• Annual Premium bonus
  • 1% p.a. of each annual regular Premium paid if you pay your premiums annually instead of monthly, valid for the first 5 policy years
• Loyalty bonus
  • Up to 2% p.a. of your initial units account (IUA) value from year 3 onwards, and throughout the policy term
• Flexibilities that supports you through changes in life
  • Flexibility to make a partial withdrawal, take a premium holiday, or adjust your regular premium as early as the 25^th month, with an option for repayment
  • Premium shortfall charge and/or premium reduction charge will be waived, in the event of involuntary unemployment, diagnosis of terminal illness or total and permanent disability
• Death Benefit
  • Stay protected even during market downturns—your beneficiary will receive a death benefit equal to 101% of your net premiums

Read about: Investment-Linked Policy: Is it the best option?

Read about: 6 Best Investment Linked Policies in Singapore (Updated)

Features of FWD Invest First Horizon at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders
NA

Additional Features and Benefits
Yes.

For further information and details, refer to FWD website. Alternatively, fill up the form below and let us advise accordingly.

Read about: Effects of compounding returns on your investments

Get Quote: Compare Investment Linked Policies in Singapore 

FWD Invest First Horizon may be suitable if you are looking for

FWD Invest First Horizon may potentially be a good fit if the following matters to you:

• To participate in the long-term financial returns of investing
• A full-forced investment-linked policy with minimal insurance coverage
• Able to take investment risks and comfortable with financial market volatility
• Regular-pay premium term investment plan
• Take unlimited premium holidays after the end of the minimum investment period
• Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
• Insurance options without medical underwriting

Read about: An introduction to Investment Linked Policy

Read about: Why perodic insurance portfolio review is important

FWD Invest First Horizon may not be suitable if you are looking for

FWD Invest First Horizon may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High Death and Terminal Illness coverage
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• Guaranteed financial returns in the long run
• Single premium investment option with no further financial commitment
• Insurance policy with a high surrender value in the early years of the policy
• Expecting an urgent need for withdrawal during a financial market downturn

Further considerations on FWD Invest First Horizon

• How is FWD or FWD Invest First Horizon investment returns based on historical performance?
• How does FWD Invest Invest First Horizon compare with Investment-linked policies from other insurance companies?
• Can FWD Invest First Horizon fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features of FWD Invest First Horizon. Talk to us or seek advice from a financial adviser before making any decision about FWD Invest First Horizon.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Is FWD Invest First Horizon suitable for me?