The NCD protector protects the NCD for one claim.
Customers who have bought the NCD protector benefit and made 1 claim against their expiring policies with FWD in the past year, their NCD would still be valid for the first year when a new policy is purchased with Income Insurance through the invitation email sent out by FWD.
If a customer with the NCD protector benefit had made more than 1 claim in the past year, the NCD will no longer be valid according to the standard NCD guideline.
Customers who have the lifetime NCD guarantee benefit for their expiring policies with FWD, their NCD would remain valid for the first year when a new policy is purchased with Income Insurance through the invitation email sent out by FWD. This is regardless of the number of claims they have made in the past year.