I have missed a regular premium payment, what will happen to my FWD Invest First Plus policy?

After the end of the 60-day grace period, you can expect the following to happen if we do not receive your regular premium payment within the time periods below:

• If during the first 24 months of your policy, your policy will end. If there is any value in the accumulation units account, we will liquidate those units and pay the amount to you in your policy currency. You can however apply to reinstate your policy within 2 years of it ending, subject to our agreement.
• If from the 25^th month onwards of your policy, your policy will continue. We will continue to deduct the applicable charges and fees. If your policy value drops below S$1 (or equivalent in your policy currency), your policy will lapse. If your policy ends because it has insufficient policy value, you can apply to reinstate it within 2 years of it ending, subject to our agreement.