Your cover for FWD’s Term Life Plus insurance starts on the coverage start date or the date we receive the first premium, whichever is later.
Do note that if you have opted to include the critical illness and/or premium waiver rider with your Term Life Plus plan, there is a 90-day waiting period for certain conditions such as:
- Heart Attack of Speciﬁed Severity;
- Major Cancer;
- Coronary Artery By-Pass Surgery;
- Angioplasty and Other Invasive Treatment for Coronary Artery; and
- Other Serious Coronary Artery Disease.
Please refer to your policy contract for full exclusion details.