How is FWD Invest First structured?

FWD Invest First consists of two investment accounts: 

• Initial units account; and 

• Accumulation units account 

Initial units account 

• Units bought using your regular premiums paid during the first 18 months will go here. 
• Units purchased using the booster bonus paid to the policy will also be credited to this account. 
• Initial account charge and policy charge will be deducted from this account. 

Accumulation units account 

• Units bought using your regular premiums paid from the 19^th month onwards will go here. 
• Units bought using the top-ups and recurring single premium paid to the policy will be allocated to this account. 
• Units purchased using the loyalty bonus paid to the policy will also be credited to this account. 
• Policy charge will be deducted from this account. 

The policy value is the total sum of the value of units in your initial units account and your accumulation units account.