I already have an FWD DIRECT – Term Life insurance policy, can I add a critical illness rider to my policy? Faith, your friendly assistant September 15, 2021 14:47 Updated We are unable to add riders to your policy once the coverage has started. If you would like a policy with Critical Illness coverage, please purchase a new policy here. Related articles Can I remove my critical illness rider from my FWD DIRECT – Term Life insurance policy? How long is my FWD DIRECT – Term Life insurance quote valid for? Can I purchase the COVID-19 Hospitalisation & Repatriation Expenses rider if my FWD Maid insurance policy has already started? Can I add on benefits to enhance the coverage of my FWD Future First policy (base plan)? Can I add rider(s) after my FWD Future First policy is issued?