What does a “trusted individual” mean? Faith, your friendly assistant September 15, 2021 14:47 Updated A trusted individual is: Is at least 18 years old; Possesses at least GCE “O” or “N” level qualifications, or the equivalent; Is fluent in spoken and written English; and Is someone you trust. Related articles For FWD’s DIRECT – Term Life insurance, will the policy be renewed automatically? What policy periods can I choose from for FWD’s DIRECT – Term Life insurance? What happens if I want to cancel this policy? Does FWD offer motorcycle insurance for motorcycle-sharing?