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<div class="Markdown_root__trJOo"><div style="display: flex;align-items: center;column-gap: 8px;margin-bottom: 16px;"><h2 style="margin-top: 0;margin-bottom: 0;font-size: 20px;line-height: 25px;"><b>Before we proceed, please note...</b></h2></div><div style="display: flex;flex-direction: column;gap: 8px;"><div style="display: flex;align-items: center;column-gap: 8px;padding-left: 6px;"><img loading="lazy" asset_uid="blt0036cff682adf68f" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/blt0036cff682adf68f/6683a8b966137c9902adc76a/document-copy.svg" alt="document-copy" width="24" height="24" style="width: 24;height: 24;"/><p class="mt-0 mb-14" style="margin-top: 0;margin-bottom: 0;font-size: 14px;">We will need a photo of a valid government-issued ID</p></div><div style="display: flex;align-items: center;column-gap: 8px;padding-left: 6px;"><img loading="lazy" asset_uid="bltbcee56fc86bdae17" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/bltbcee56fc86bdae17/6683a8b90b1faae783dc048c/Credit_Card.svg" alt="credit-card" width="24" height="24" style="width: 24;height: 24;"/><p class="mt-0 mb-14" style="margin-top: 0;margin-bottom: 0;font-size: 14px;">We accept credit card, debit card, GCash, or Maya.</p></div></div><div><p class="mt-0 mb-12" style="margin-top: 8px;font-size: 12px;font-weight: 450;color: #636566;line-height: 15px;">You can only apply for yourself which means that you are both the policy owner and policy insured.</p><p class="mt-0 mb-12" style="margin-top: 8px;font-size: 12px;font-weight: 450;color: #636566;line-height: 15px;">We will collect your personal data to process your policy application. To know more on how we protect your personal data, check our <a href="#" data-content-type="shared_content_container" data-content-id="blt90f80e53eae70786" data-display-type="modal" target="_self" style="color: #B74701;font-weight: 700;">Privacy Policy</a> and <a href="#" data-content-type="shared_content_container" data-content-id="blt690999b8443d9bab" data-display-type="modal" target="_self" style="color: #B74701;font-weight: 700;">List of Accepted IDs</a>.</p></div></div>

Please confirm the following statement:

Let us get to know you first

About you

Basic information

Other insurance

Anti-Money Laundering Act and General Declarations

Health Declaration

Independent service providers, Special class groups, & Government officials

Anti-Money Laundering Act, Data Privacy Declaration, Replacement Declaration and Exclusions

Anti-Money Laundering Act

Data Privacy Declaration

Replacement Declaration

Exclusions

Declaration

Confirmation

Restricted or unregulated businesses and industries

Please upload required document.

Identity verification

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Employer's address

Employment information

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Please adjust your coverage to PHP 800,000 or below

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Additional benefit when you pass away due to accident

Claim cash benefit when you get diagnosed with any of the 42 covered major critical illnesses

Benefit for your beneficiaries when you pass away

Unsaved changes

Your coverage amount exceeds the condition set by FWD

Keep us in the loop when there are changes in your contact info so that you can receive policy related updates.

Reminder:

I declare that I earn more than PHP 250,000 annually.

Application summary

I am a Filipino citizen. 
- I am not a US citizen or a US tax resident 
- I am currently in the Philippines

**Beneficiary**

By default, benefits shall be paid to any one of your surviving family members in the following order: 1) Legal Spouse, 2) Children, 3) Parent/s, 4) Sibling/s, 5) Your Estate.

⠀

Your nominated beneficiary is automatically tagged as primary beneficiary. Primary beneficiary is revocable (can be changed). Allocation of beneficiaries will be set to equal distribution by default. 

⠀

You can also easily update beneficiaries through our app [**Omne by FWD**](https://www.fwd.com.ph/support/omne-by-fwd/){target='_blank'}. We're available 24/7 to assist you.

**Company Voucher**

This plan covers you for 1 year. Your Death Benefit is renewable until Age 99. Your Accidental Death and Critical Illness Benefits are renewable until age 79. 

Your application is **auto-approved** from Year 2 onwards as long as you pay your premium every year.

**Company Voucher**

This plan covers you for 1 year. Your Critical Illness Benefits are renewable until age 79. 

Your application is **auto-approved** from Year 2 onwards as long as you pay your premium every year.

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I have read and agreed to the statements below
- Anti-Money Laundering Act
- Data Privacy Declaration
- Replacement Declaration
- Exclusions

Declarations

I do not own any interest in, deal with, provide services to, nor am I in any way affiliated with any restricted or unregulated businesses or industries.

My occupation is not among those listed in “Independent service providers, Special class groups, & Government officials”

Notes

Personal details & Employment

It’s important that you truthfully answer or confirm agreement with these statements. Concealment of any info may cause us to deny a claim for this policy.

Last step! Let's check the details and pay.

Last step! Check the details and confirm for submission.

**Note**

The annual premium is based on the selected coverage amount, and the age and gender of the insured.

**Free-look period**

You are entitled to a free-look period, which will run for 15 days upon issuance of the contract. During this period, you may review the policy provisions, inclusions, and exclusions. 

If you decide to cancel your policy within the free-look period, you may do so on [**Omne by FWD**](https://www.fwd.com.ph/support/omne-by-fwd/){target='_blank'} or by calling our 24/7 Customer Connect hotline at [**+632 8888 8388**](tel:+63288888388) to get a full refund.

By proceeding, I confirm that I am paying for this policy. Your application is **auto-approved** from Year 2 onwards as long as premium is paid every year.

**Note**

It's important that you truthfully answer or confirm agreement with these statements. Concealment of any info may cause us to deny a claim for this policy.

The annual premium is based on your age upon renewal, and your selected coverage amount.

**Free-look period**

You are entitled to a free-look period, which will run for 15 days upon issuance of the contract. During this period, you may review the policy provisions, inclusions, and exclusions. 

If you decide to cancel your policy within the free-look period, you may do so on [**Omne by FWD**](https://www.fwd.com.ph/support/omne-by-fwd/){target='_blank'} or by calling our 24/7 Customer Connect hotline at [**+632 8888 8388**](tel:+63288888388) to get a full refund.

By proceeding, I confirm that I am paying for this policy. Your application is auto-approved from Year 2 onwards as long as premium is paid every year.

Payment

Payment summary

Title

<div>Please contact us by calling <a href='tel:+63288888388'>+632 8888 8388</a> or through email <a href='mailto:CustomerConnect.ph@fwd.com'>CustomerConnect.ph@fwd.com</a>.
 You could also chat us live by clicking here.</div>

Add ons

(Optional)

Basic plan - Life

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Product Overview

the_one_premium_for_succeeding_years_desc

Premium for Succeeding Years

The One - Premium for succeeding years

Issue age

Annual, Semi-annual, or Quarterly payment. Renew policy every year to enjoy continuous protection.

Premium payment term

Surprise! Enjoy this unique benefit of **no premium increase after every 5 years** if you continually renew your plan on time — applicable for your base plan and any add-on coverage you have.

Plus! No premium increase

1-year coverage. 
Death benefit is renewable until age 99, while Accidental Death and Critical Illness benefits are renewable up to age 79.

Benefit term

Benefit Summary

<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 20px;padding-right: 20px;padding-bottom: 20px;padding-left: 20px;background-color: #FEF9F4;"><a href="/ec/assets/v3/assets/blt9d245055972fde4e/blte9ee2ec84ba0f8fa/6641e6ce1d55769f7efbb330/FWD_The_One_for_Life_Accident_and_Critical_Illness.pdf" target="_blank" style="color:#183028;">
    <div style="height: 100%;">
      <div style="display: inline-block;width: 20;text-align: left;padding: 0px 0px 0px;"><img loading="lazy" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/blt39d7107233f7e3bd/6641f7580bbc62de777f7054/download.svg" width="16" /></div>
      <div style="display: inline-block;text-align: left;vertical-align: top;padding: 0px 0px 0px;font-size: 16px;font-weight: 700;">The One for Life, Accidental Death,<br />and Critical Illness</div>
    </div>
  </a>
  <hr /><a href="/ec/assets/v3/assets/blt9d245055972fde4e/blt8e32e7958497d0df/6641f5534afe6c6999a6b9b3/FWD_The_One_for_Life_and_Accident.pdf" target="_blank" style="color:#183028;">
    <div style="height: 100%;">
      <div style="display: inline-block;width: 20;text-align: left;padding: 0px 0px 0px;"><img loading="lazy" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/blt39d7107233f7e3bd/6641f7580bbc62de777f7054/download.svg" width="16" /></div>
      <div style="display: inline-block;text-align: left;vertical-align: top;padding: 0px 0px 0px;font-size: 16px;font-weight: 700;">The One for Life and Accidental Death</div>
    </div>
  </a>
  <hr /><a href="/ec/assets/v3/assets/blt9d245055972fde4e/bltc766471393ab3716/6641f55252b7462e8027fa91/FWD_The_One_for_Life_and_Critical_Illness.pdf" target="_blank" style="color:#183028;">
    <div style="height: 100%;">
      <div style="display: inline-block;width: 20;text-align: left;padding: 0px 0px 0px;"><img loading="lazy" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/blt39d7107233f7e3bd/6641f7580bbc62de777f7054/download.svg" width="16" /></div>
      <div style="display: inline-block;text-align: left;vertical-align: top;padding: 0px 0px 0px;font-size: 16px;font-weight: 700;">The One for Life and Critical Illness</div>
    </div>
  </a>
  <hr /><a href="/ec/assets/v3/assets/blt9d245055972fde4e/blt81393266479dfcf7/6641f5531f117eee202af75a/FWD_The_One_for_Life.pdf" target="_blank" style="color:#183028;">
    <div style="height: 100%;">
      <div style="display: inline-block;width: 20;text-align: left;padding: 0px 0px 0px;"><img loading="lazy" src="https://images.contentstack.io/v3/assets/blt9d245055972fde4e/blt39d7107233f7e3bd/6641f7580bbc62de777f7054/download.svg" width="16" /></div>
      <div style="display: inline-block;text-align: left;vertical-align: top;padding: 0px 0px 0px;font-size: 16px;font-weight: 700;">The One for Life</div>
    </div>
  </a>
</div><br />
<div>
  <p style="color: rgba(99, 101, 102, 1);">Please make sure you are eligible for this product before applying.<br />The product information on this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.</p>
</div>

FAQs

Frequently Asked Questions

<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 20px;padding-right: 20px;padding-bottom: 20px;padding-left: 20px;background-color: #F8F9F9;">
  <p><span></span><span style="color: rgba(232, 119, 34, 1);font-size: 39px;font-weight: 700;line-height: 48.75px;">01<br /></span><span style="font-size: 20px;font-weight: 700;color: rgba(24, 48, 40, 1);">Am I eligible to buy FWD The One Life Plan?</span></p>
  <p>You may buy The One if you are 18 to 70 years old, and agree with the 3 insurability questions in the application form.</p>
</div>
<p>&nbsp;</p>

<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 20px;padding-right: 20px;padding-bottom: 20px;padding-left: 20px;background-color: #F8F9F9;">
  <p><span></span><span style="color: rgba(232, 119, 34, 1);font-size: 39px;font-weight: 700;line-height: 48.75px;">02<br /></span><span style="font-size: 20px;font-weight: 700;color: rgba(24, 48, 40, 1);">When will my coverage start and end?</span></p>
  <p>Your coverage will start on the effective date shown on the policy data page in your contract, and ends after a period of one year.You may renew the Death Benefit until age 99. You may renew the Critical Illness and Accidental Death Benefits until age 79.</p>
</div>
<p>&nbsp;</p>

<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 20px;padding-right: 20px;padding-bottom: 20px;padding-left: 20px;background-color: #F8F9F9;">
  <p><span></span><span style="color: rgba(232, 119, 34, 1);font-size: 39px;font-weight: 700;line-height: 48.75px;">03<br /></span><span style="font-size: 20px;font-weight: 700;color: rgba(24, 48, 40, 1);">When will I not be paid for a claim?</span></p>
  <p>For Death Benefit, you cannot claim if death is due to attempted suicide or deliberate self-harm of the insured while sane within 2 years from the policy’s effective date. In this case, we will return all paid premiums to the beneficiaries. For Accidental Death Benefit, we will not pay any benefit if the claim arises from you committing any illegal or unlawful act (including terrorist act), or failure to act, or if the claim arises from war or any act of war (whether declared or not), or any civil or military uprising. For Critical Illness Benefit, we do not pay any major critical illness benefit if signs of a condition become apparent to the insured person within the no-claim period even if the condition is diagnosed on or after this period by a medical practitioner. Also, we do not pay any critical illness benefit if the claim arises from a pre-existing condition. Claims due to drug or alcohol abuse, HIV, psychiatric-related causes, suicide or self-inflicted acts, unlawful act and war will also be excluded.Please check your <a href="/ec/assets/v3/assets/blt9d245055972fde4e/blte9ee2ec84ba0f8fa/6641e6ce1d55769f7efbb330/FWD_The_One_for_Life_Accident_and_Critical_Illness.pdf#page=8" target="_blank" style="color: #B74701;font-weight: 700;">policy contract</a> for the full details.</p>
</div><br /><br />
<p style="color: rgba(183, 71, 1, 1);"><a href="https://shop.fwd.com.ph/life-insurance/the-one/faq/" target="_blank" style="color: #B74701;font-weight: 700;"><span><strong></strong></span>→ See more FAQs</a></p>

<p style="font-size: 20px;">The One for life</p><div class="link-container" style="font-size: 14px;line-height: 21px;">Insurance coverage you can personalize for whatever phase in life you are in -- for Gen Z up to 70 years old.</div>

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<p style="font-size: 20px;">The One for gamers insurance plan</p><div class="link-container" style="font-size: 14px;line-height: 21px;">The One for Gamers is a customizable insurance plan to protect you in life. Celebrate your victory with The One for Gamers.</div>

Critical illness insurance

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<p style="font-size: 20px;">Set for Tomorrow - Short Term Cover Life Digital Insurance</p><div class="link-container" style="font-size: 14px;line-height: 21px;">Protect your family from sudden loss of income with up to ₱5 million coverage and 100% death benefit with FWD Set for Tomorrow plan.</div>

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The One for music lovers

Before we proceed, please note...

Product Overview

Premium for Succeeding Years

Benefit Summary

FAQs

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