New Application - Life - FWD

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Broker Code: 25828

NF2F Update: Hong Kong Insurance Authority(IA) announced that the non-face-to-face sales process has ceased after 30 April 2023, a one month transitional period (e.g. 1 May to 31 May 2023, subject to provider) will therefore be provided to allow sufficient time for provider to complete the underwriting process. (Updated: 03 May 2023)

Product List:

For more detail, please kindly refer to Product List Table. (Updated: 6 Nov 2025)

Important Notice

  1. Both English and Chinese are accepted to fill in the application form (Application for Life Insurance)
  2. Application form must be delivered to FWD within 30 days (7 days for non-HKID holders) after the client signed the form, otherwise new application form should be signed. (Updated: 21 Jan 2021)
  3. FWD will not issue and dispatch policy first if the DDA form is missed or information is incomplete.
  4. Except the application form, other printed copies of forms are accepted.
  5. Non-medical limit for PRC client will be varied and it is based on the residential city. Please refer to the medical requirement at below.
  6. The maximum sum insured for CI Plan is updated on 12 Oct 2016:
Residency ANB Maximum CI Sum Insured

 

(Crisis VCover)

 Maximum CI Sum Insured

 

(Crisis XDefender)
Hong Kong 19-65  HKD 12,000,000
1-18  HKD 5,000,000
PRC Premier Cities 19-65  HKD 12,000,000
PRC Major Cities
Other PRC Cities
PRC Premier Cities 1-18  HKD 5,000,000
PRC Major Cities  HKD 5,000,000
Other PRC Cities  HKD 5,000,000
Taiwan 19-65 HKD 12,000,000
1-18    HKD 5,000,000

7.  All samples provided in OnePortal are for REFERENCE only, consultant must fill in all forms with client’s latest information provided.

8. The reference products recommended should be on OnePlatform’s shelf by the time you make the recommendation. No same provider’s products should be recommended unless there are no other suitable products from other providers. (Updated: 19 Nov 2019)

9. Please write your FWD individual code (last 5 digits of TR’s Portal ID) on the application form so that you can access client’s information and NB pending memo with your own login. If you do not have FWD individual code, you should write the company code 25828 on the application form. (Updated: 12 Jul 2021)

Checklist

(OnePlatform Internal Document and Principal Document are required to be submitted)

Internal Document

1. Client Data Form

For Noble Forturne, please select "Target Premium" as basic plan and "Excess Premium" as rider) in ARCH E-form. For details, please refer to premium calculation matters . (Updated: 8 Jul 2015)

2. Client Agreement (CA form)

3. Financial Needs Analysis Form ​​​​​​​​​​​​​​[Product Mapping Table]

- Customer’s Background & Insurance Product Suitability - For supporting application to be taken out for Financial Needs Analysis (FNA) out-scope product.However, OnePlatform FNA is still required. (Updated: 11 Jan 2021)

Note : Customer's Background & Insurance Product Suitability will be requested if the below information is omitted.

  1. Client’s academic background – Q14 on Page 2 of application form
  2. Is the source of Income regular – Q16D on page 2 of application form
  3. If client read & understand the product brochure, information sheet and policy provision – Product Selection Declaration on Page 10 of application form. (Updated: 13 Apr 2021)

Principal Document
Hong Kong Resident

1.    Application Form

[Sample for MediSaver Supreme] (Updated: 9 Aug 2019)

[Sample for VHIS Application] (Updated: 21 Aug 2023)

  • Please write your FWD individual code (last 5 digits of TR’s Portal ID) on the application form.
  • For policy document, ePolicy is issued by default, unless otherwise specified in the application form. (Updated: 12 May 2021)
  •  Name of Manager and Signature of Manager fill in the full name of broker company with company chop (Updated: 13 Jul 2015)
  •  Please read the Application Checklist ([A4])
  •  If policy owner is different from life insured, they should have insurable interest
  •  Beneficiary can leave blank
  •  Rate of USD for Premium should refer to fwd.com.hk updated by each Wed
  •  Every individual customer must declare whether he/she is a tax resident of any jurisdiction(s) other than Hong Kong and the U.S. (Declaration relating to Automatic Exchange of Financial Account Information) If a client is working in Hong Kong but residing in Mainland/Macau and declares “No” in this section, he/she must declare by Addendum that 1) he/she is working in Hong Kong and only subject to Hong Kong taxation; and 2) despite the fact that he/she is residing in Mainland/Macau, he/she is NOT a tax resident of Mainland/Macau.

2.  If the customer’s answer is “Yes” or “Not yet decided”,  the licensed insurance intermediary must explain to the customer and help him / her complete the “Important Facts Statement - Policy Replacement [I3] ".(Updated: 21 Nov 2025)
3.   Payment - (Simple Premium Payment Guide) ( Memo) (Updated: 17 Nov 2025)  (For premium financing case, please refer to FWD) Revised Memo (Updated: 23 Dec 2025) 
a) Special Arrangement of Premium Payment Application Form  ([S2])

  • if the value of the direct deposit amounts to more than HKD150,000 and the account holder’s name appears on the direct deposit slip is not the policyholder / life assured / authorized payor

b) Premium Payment Declaration ([P5])

  • if the value of the direct deposit amounts to more than HKD150,000 and the payer’s identity can neither be ascertained nor any bank statements can be provided to support the direct deposit is made by the policyholder / life assured / authorized payor ; Or (Updated: 14 Oct 2015)
  • if the value of the bank draft amounts to more than HKD150,000 and neither the bank draft application nor bank statement can be provided for verification ; Or (Updated: 14 Oct 2015)
  • if the value of the T.T. amounts to more than HKD150,000 and neither the T.T. application nor bank statement can be provided for verification ; Or (Updated: 14 Oct 2015)
  • if the value of the PPS payment amounts to more than HKD150,000 AND with any funds paid to us that exceed HKD5,000 of the modal premium (Updated: 14 Oct 2015)

4.   Personalized illustration and signed by the policy owner

  • Year Term and Premium MUST match with application form stated
    •  Required for ALL products, medical and term life product

5.   HKID copy

6. Financial Underwriting requirement, please refer to New Business Manual part 6 (Updated: 3 Nov 2025)

6a.   Special Financial Questionnaire ([S1]) (required if total initial premium is between HKD 4,000,001 - HKD 5,000,000 or USD 500,001 - USD 625,000) OR/AND (Updated: 30 Sep 2025)

6b.  Financial Analysis Questionnaire ([F4]) (required if total initial premium exceeds HKD 5,000,000 or USD 625,000) and (Updated: 30 Sep 2025)

6c.  Financial Proof ,details please refer to New Business Manual part 6 – section 6 (required if total initial premium exceeds HKD 5,000,000) (Updated: 2 Oct 2025)

7.  Residence and Travel Questionnaire ([R1]) – For foreign passport holders and client with mixed travel patterns

8. Self-Certification Form for Individual  ([S4]) (If applicable)

  • An individual client will need to complete the new “Self-Certification Form for Individual if

1) he/she declares “Yes” in the Declaration relating to Automatic Exchange of Financial Account Information on application form; or 2) any of the CRS indicia listed above is found on application documents.

  •  In the case of CRS indicia is found on application documents, alternatively client can cure the indicia by providing document proof instead of completing the form.

9. Cansurance Cancer Protection Plan Personal Health Statement ([C3])

10. Address proof is not required unless it is required by FWD, or OnePlatform has to conduct further verification with the client’s identity.  (Updated: 4 Dec 2017)

11. Application Addendum for MediSaver Supreme (Deferred Medical Cover Only) (Sample) (Updated: 9 Aug 2019)

12. Application Addendum for VHIS Certified Plan - Declaration of Relationship for Specified Relative* ([A10]) [Sample] (suitable for all the VHIS product (vCore / vCare / vCare Supreme / vCANsurance),(Only Applicable where the Insured Person is (a) Applicant / Applicant spouse’s parent, grandparent, sibling or (b) Applicant’s child who is 18 years of age or over)

13. Application Addendum - Simplified Underwriting (Applicable for Saving Products) [A12] [memo]

14. a. Declaration of Premium Deposit Account (PDA) Operation Rules [D10] (Updated: 21 Mar 2025)

OR b. Declaration of Premium Deposit Account (PDA) Operation Rules [D7] (Only applicable to Journey Deferred Annunity Plan and RetireFun Deferred Annuity Plan)

15. Annuity Plan Application Addendum [A13]

16. Application Addendum for Simplified Underwriting  [A14] (Applicable for Healthy Plus Refundable Hospital Income Plan and Wise Plus Refundable Surgical Cash Plan) (Updated: 10 Jun 2021)

17. Wise Plus Refundable Surgical Cash Plan – Family Registration Form [W1]

18. Standardized Underwriting Questionnaire on Health-Related Information for VHIS Certified Plans (Simplified Underwriting) [S8]

19. Important Facts Statement – Premium Financing[I4] Premium Financing Underwriting Manual (Updated: 11 Nov 2024)

Non-Hong Kong Resident or PRC Resident(Additional documents)

For Non-permanent HKID Card Holder with PRC identity (apply to life insured and applicant), please submit the following(Updated: 02 Jun 2025):

  1. Copy of HKID card
  2. Copy of passport/ travel documents/ Exit-Entry Permit (Both Sides)
  3. Important Facts Statement for Mainland Policyholder ([I2])
  4. If the insured is under age 18, need to provide copy of birth certificate
  5. Relationship Proof is required if the applicant is different from the insured.

For PRC Resident (apply to life insured and applicant), please submit the following:

  1. Copy of PRC Resident ID Card (Both Sides)
  2. Copy of Passport / Exit-Entry Permit (Both Sides) /Travel Document
  3. Copy of Entry proof
  4. Important Facts Statement for Mainland Policyholder ([I2])
  5. If the insured is under age 18, need to provide copy of birth certificate
  6. Relationship Proof is required if the applicant is different from the insured.

For details, please refer to below:

FAQ / Supplementary guideline 

For High Net Worth business

  • For High Net Worth business, please read the High Net Worth Business Requirements Manual [Eng] [Chi] (Updated: 10 Oct 2025)
  • Residency Underwriting Guidelines [Eng] [Chi] (Updated: 10 Oct 2025)
  • Occupation Rating Manual (Updated: 12 Jul 2024)
  • For the purpose of sales quality assurance and enhancement of customer engagement, FWD have kicked off welcome calls exercise for different channels from 27 Oct 2020. Policies will be selected in random basis and FWD will make a call to the selected client. Please refer to the Outbound Call Scripts for reference (Updated: 5 Nov 2020).

Special Case
1.  For application amendment or application supplementary before the policy issue, please complete the Application Addendum ([A1])
2. Special Arrangement of Premium Payment Application Form ([S2]) for Third Party Payment (only applicable to the following third parties) :
a. Spouse
b. Parent / Child / Grandparent / Grandchild
c. Parent-in-law / Son-in-law / Daughter-in-law
d. Sole Proprietor / Partner of Partnership Company / Director of the Limited Company

**FWD reserves the rights to request the relevant supporting documents (such as address proof, relationship proof, etc)

FWD Customer Hotline：31233123

 

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