This article is sponsored by FWD Takaful

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It’s time for real talk fam – are you or your loved ones protected when the bad jujus come? If the answer is no, you’re gonna wanna sit down for this.

FWD Life First Is What We Have In Mind

Unlike typical insurance or Takaful plans that only protect the individual, FWD Life First is a family-focused protection plan by FWD Takaful.

Basically, it’s what takes care of your parents, spouse and children if something happens to you, and what takes care of you if something happens to them.

5 Ways FWD Life First Will Step Up To Help ❤️‍🩹

1. Accident protection – wherever life takes you

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Accidents happen anywhere, not just on the road. It can be at home, work, or worse, while you’re on vacay. 

Thank your lucky stars because FWD Life First will make sure your family receives levelled up protection through its Multiple Indemnity Benefit:

•    200% of the sum covered for death or total permanent disability (TPD) due to an accident
•    300% if the accident occurs in a public conveyance, elevator, or burning public building
•    500% if the accident occurs while travelling abroad

If you and your family often travel for work, pilgrimages, or holidays, the overseas protection is everything, trust!

2. Death and TPD protection – when it matters most

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Upon death or TPD due to natural causes, 100% of the sum covered + account value in the Participants’ Savings Account (PSA) is granted. So, if your certificate includes an investment plan, you’ll get both the sum covered plus any investment amount.

This will help your family maintain their lifestyle, continue education plans, handle living expenses, all while finances are in check.

A difficult period shouldn’t be coupled with more difficult adjustments.

3. Family protection – to support your loved ones

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A 10/10 benefit of FWD Life First is its focus on family-wide support.

In the event of an accidental death of a family member, the plan provides a RM15,000 lump sum per person, covering up to:

•    1 parent
•    1 spouse
•    4 children

This family compassionate care will help your family manage funeral arrangements and urgent expenses without the added financial stress.

4. Illnesses protection – the ones Malaysians face often

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Let’s be so for real right now. We live in a tropical climate – that means higher risks of mosquito-borne and infectious diseases. 

Outbreaks of dengue, chikungunya, malaria and many more have caused loved ones to be hospitalised.

So FWD Life First is doubling up on the protection:

Infectious Disease Benefit

A one-time payment of RM5,000 will be provided upon hospital admission of 5 consecutive days due to any of these covered diseases:

•    Dengue fever
•    Tuberculosis
•    Viral Hepatitis
•    Malaria
•    Cholera
•    Typhoid
•    Japanese Encephalitis

This helps you or your family cope with unexpected costs during hospital stays, whether it be transportation, childcare, lost income or additional medical needs.

Mosquito-Borne Disease Benefit

If no-thank-you happens, this plan provides 200% of the sum covered + account value in the PSA for death due to:

•    Chikungunya
•    Dengue
•    Japanese Encephalitis
•    Malaria
•    Zika

The benefit payout is capped at RM200,000 for financial support during a trying period.

5. Added care protection – walking with your family beyond just money

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Financial help is a biggie but so is emotional and practical support; especially when hope and strength start to waver.

FWD Life First offers grief counselling to help families navigate emotional healing. A maximum of 10 counselling sessions is covered, reimbursable up to RM2,000.

Next, there’s legal advice support as well. The plan covers up to 3 sessions – reimbursable up to RM2,000 – supporting families with matters such as:

•    Will
•    Inheritance
•    Guardianship
•    Estate settlement

On top of that, customers will receive RM2,000 lump sum, which can be arranged as Badal Hajj support for Muslim customers, or fulling religious obligations for non-Muslims customers.

FWD Life First Gotchu & Your Fam

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Our families are built on love and a responsibility to protect one another, so FWD Life First is giving you exactly that — a plan that supports not just you, but all your day ones.

Whether it’s disease coverage and accidents or emotional support, when the going gets tough, let FWD Life First ensures the tough gets going.

Get more deets @ www.fwd.com.my/life-insurance-takaful/fwd-life-first/.