Your cover for FWD’s Big 3 Critical Illness insurance starts on the coverage start date as shown on the Policy Schedule or the date we receive the first Premium, whichever is later.
The Big 3 benefit starts after a 90-day waiting period. If you experience first symptoms of cancer, heart attack or stroke within the first 90 days from the Policy Issue Date or Date of Endorsement, whichever is later, the Big 3 Benefit will not be payable.