How is FWD Invest First Plus structured?

FWD Invest First Plus consists of two investment accounts:

• Initial units account
• Accumulation units account

Initial units account

• Units purchased using your regular premiums paid during the first 24 months will go here.
• Units purchased using the booster bonus paid to the policy will also be credited to this account.
• Initial account charge will be deducted from this account.
• Policy charge will be deducted from this account if there is insufficient value in your accumulation units account for this charge deduction.

Accumulation units account

• Units purchased using your regular premiums paid from the 25^th month onwards will go here.
• Units purchased using the top-ups 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.
• Initial account charge will be deducted from this account if there is insufficient value in your initial units account for this charge deduction.

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