Death Claims

  • What information do I need to report a Death Claim?

  • When reporting a claim, please provide us the following: Policy NumberName of Insured and OwnerDate of DeathCause of DeathPlace of Death, and Contact Details. You may call Customer Connect +632-888-8388 or email us at CustomerConnect.ph@fwd.com for assistance.
  • Am I qualified to file a Claim? Who is qualified?

  • For a Death Claim, the order of eligibility is ranked as: [1stPrimary Beneficiary (or the main recipient of death benefit) or Contingent Beneficiary (only entitled if no Primary Beneficiaries survive the Insured), [2ndOwner (if no designated living beneficiaries), [3rdSubstitute Beneficiaries (if no designated living beneficiaries and Owner), and lastly, the Estate (if none of the above).
  • I want to file a claim. What are the requirements?

  • Please click here for a summary of the Claims process. You may also call Customer Connect at +632-888-8388 if you have additional questions.
  • Do I need to submit the original Claim documents?
  • Yes, only original Claim documents will be accepted. You may submit all documents to our Customer Connect Centre or FWD Branch Offices, or through your Financial Wealth Planner and Financial Solutions Consultant. For the list of offices, please click here. You can also forward a soft copy of the documents to ClaimsConnect.ph@fwd.com so we can start to assess your claim.
  • Can a minor beneficiary file a claim?
  • Yes, the minor beneficiary can file a claim but he must be represented by a Legal Guardian or appointed Trustee who must also accomplish and submit the required forms. Click here to see list of Death Claim requirements.
  • How do I receive the death claim benefit?
  • Please click here to see the procedure of claims release.
  • I have the Claim forms and documents ready. When should I file the Claim?
  • Please click here to see the submission timeline.
  • But I’m overseas. Can I still apply for a Claim?
  • Yes, you can. Just mail your claim application to our office here. Please remember that documents coming from abroad require the Philippine Consular Office’s authentication first. You simply need to bring all your claim documents to the Philippine Consular Office in your location to get them authenticated.
  • Can a representative transact on my behalf?
  • Yes, the representative may. Please provide a Special Power of Attorney (SPA) with the Claim requirements, including valid identification for both beneficiary and representative.
  • Can I request that my Claim check be sent directly to me?
  • Yes, Claim checks can be delivered directly to the beneficiary. Please make sure that you provide this option during your Claim application. For more information, you can call Customer Connect at +632-888-8388.

Critical Illness Claims

  • What information do I need to report a Death Claim?

  • When reporting a claim, please provide us the following: Policy NumberName of Insured and OwnerDate of DeathCause of DeathPlace of Death, and Contact Details. You may call Customer Connect +632-888-8388 or email us at CustomerConnect.ph@fwd.com for assistance.
  • What are the requirements for Critical Illness Benefit claim?

  • To file for a Critical Illness Benefit claim, you can click here for a summary of your Claims process.


  • Do I need to submit the original claim document? Where do I file the claim?

  • Yes, only original Claim documents will be processed. Although, you may initially forward a soft copy via email to give us an advance notice of your intention to file a claim and we can start to assess your claim.

    You may submit all necessary documents to our Customer Connect Center or any FWD Branch Office or through your Financial Advisor. 

  • What does the Critical Illness Benefit pay for?

  • Critical Illness Benefit is payable if the Insured is diagnosed to be suffering from a Critical Illness provided that it occurs or manifests as a first incidence before the Expiry Date of this rider; diagnosis is confirmed by a Medical Practitioner appointed by FWD; and the Insured survives for at least fourteen (14) days following the diagnosis of such critical illness.

  • Can a minor beneficiary file a claim?
  • Yes, the minor beneficiary can file a claim but he must be represented by a Legal Guardian or appointed Trustee who must also accomplish and submit the required forms. Click here to see list of Death Claim requirements.
  • When will my claim be paid?

  • The Critical Illness Benefit is paid once you have completely satisfied the critical illness criteria and claim has been approved.

  • How will my claim be paid?

  • The Critical Illness Benefit will be made as one-time, lump sum payment based on the amount insured. The benefit amount will be credited to the Owner’s bank account or through check if preferred.

  • Will I be able to claim for more than one covered critical illness?

  • No. Critical Illness Benefit only covers one critical illness and is payable only once. After the payment has been made, the Critical Illness Benefit rider will be terminated.

Policy / Policy Service

  • How do I register in the Customer Connect portal?
  • Go to the Customer Connect Portal and click on ‘New User. After you type in your details a security code will be sent to your mobile number. Nominate your username and password and you’re good to go! If you’re overseas, please call our Customer Connect team at +632-888-8388 and a Customer Connect Executive will be happy to help you.
  • I’m having trouble registering. Who can I speak to?
  • If you’re having technical problems or need support, you can call us at +632-888-8388 or email CustomerConnect.ph@fwd.com
  • I have questions about my policy. Who can I talk to?
  • There are many ways to get in touch with us. Find your preferred channel here.
  • I need to file and report a claim.
  • Please visit the Claims for more information regarding the processes involved. You can also read the Claims FAQ section of this page.
  • How do I increase or decrease my life coverage?
  • Kindly submit the Policy Change Form (dated, signed, witnessed), Health Statement Form and Policy Contract (if policy is rewritten) to our offices, along with the payment of the premium difference. You can find all of them in the Forms page. Remember, an increase is allowed within one (1) year from effective date. A reduced coverage will require assignees or irrevocable beneficiaries’ consent.
  • I want to change my billing method and frequency.
  • Please submit a new Auto Debit / Charge Form and completed Policy Change Form (dated, signed, witnessed) with the desired frequency and mode of payment. Remember, the new frequency should conform to the cycle of the original mode of payment. For example, a quarterly schedule may be changed into an annual schedule on the policy’s anniversary date.
  • I need to update my contact details. How can I do this?
  • If you’ve already registered online, you can easily update your contact information via our Customer Connect Portal. If you haven’t, feel free to call our Customer Connect hotline (+632-888-8388) and we’ll be glad to update it for you.
  • My Policy Pack is damaged / lost. Can you send me a duplicate?
  • You may access your policy contract anytime, anywhere via our Customer Connect Portal. However, if you’d like to receive a physical copy, FWD can send you a duplicate policy upon submission of the following: Notarized declaration of Lost Policy Contract, Certification from the municipality, the damaged policy contract (if possible), processing fee of Php200 (if certification from municipality is included, the fee may be waived), and Photocopy of Owner’s valid ID (with signature). Forms may be downloaded here.
  • I want to change my beneficiaries. How do I do that?
  • You may do so upon submission of two (2) copies of the Policy Change Form (dated, signed, and witnessed) to our offices. Remember, your new form will erase your previous beneficiaries so be sure to designate whether a beneficiary is revocable or irrevocable. If your current beneficiary is irrevocable, please have him sign the form; if you’re designating your spouse as a new beneficiary, please provide a marriage contract; if your intended beneficiary is a minor, please name a Trustee on the form, along with a notarized Trust Deed Form.

Premium Payment

  • What bank slip should I use to pay my premiums?
  • When paying your premiums, be sure to use the Bills Payment Slip under the merchant ‘FWD’. Indicate the Application Reference No. for the initial payment. For subsequent premium payments, indicate the payment code (03) + your 8-Digit Policy No.
  • Can I use my Credit Card as payment facility?
  • Yes. We accept MasterCard, Visa, Amex and JCB Credit Card.
  • Can I make monthly payments to my policy?
  • Yes, certainly. Simply enroll your bank account to the Auto Debit Arrangement facility in order for us to debit your monthly premiums. Our partner banks are BPI, BDO, Metrobank, and Security Bank.
  • Do your FWD Customer Connect Centres and branches accept over-the-counter payments?
  • Yes, our branches accept over-the-counter payments for premiums. We also accept online banking payments, Auto-Debit and Auto-Charge arrangements.
  • Do I get an Official Receipt? How?
  • Official receipts are sent to you depending on your chosen mode of delivery as chosen in your Application for Insurance. You can also access your Customer Portal to view your official receipts.
  • Who can I contact if I encounter any problems on my payments?
  • Please call Customer Connect +632-888-8388 to speak to a Customer Connect Executive. You may also speak with your Financial Solutions Consultant or Financial Wealth Planner.

Peace Plan

  • What is Peace Plan?

  • Peace is the first and only yearly renewable insurance coverage product specifically designed to give you and your loved ones financial peace of mind in the event of death or disability as a direct result of a Terrorist Act in the Philippines and anywhere in the world. It is available to all Filipino citizens and all legal Philippine residents for more than 6 months and does not require any medical questionnaires. It comes in two variants – Personal Peace and Family Peace.
  • What is the definition of a Terrorist Act?
  • A Terrorist Act means an unlawful and violent act carried out anywhere in the world by one or more members of a non-government organization or group with the intent to physically harm people and intimidate society or the government in support of a political, ideological, religious or social objective. An event officially described as being a “Terrorist Act” by the government where that event occurs will be considered as such, even if it does not meet the definition above.
  • Who is eligible to apply for a Peace policy?
  • At FWD we make it possible for everyone to get covered for Peace with no medical test required. Guaranteed acceptance as long as you are a Filipino citizen and/or legal Philippine resident for more than 6 months. OFWs, military and police personnel, and everyone else is encouraged to avail of this unique product offering from FWD.

    Personal Peace is available for individuals at least 18 years old while Family Peace is designed for families to provide insurance coverage for you, your spouse and/or minor children whose ages are 17 years old and below.



  • What are the benefits provided for by a Peace policy?
  • For Personal Peace – PHP 1,000,000 will be paid if an insured individual suffers death or disability as a result of a Terrorist Act. Death or disability must be confirmed by a medical practitioner acceptable to FWD and should have occurred within one hundred eighty (180) days from the date of the Terrorist Act.

    For Family Peace – PHP 1,000,000 will be paid for each insured that suffers death or disability as a result of a Terrorist Act. Death or disability must be confirmed by a medical practitioner acceptable to FWD and should have occurred within one hundred eighty (180) days from the date of the Terrorist Act.

    The maximum benefit payable for any insured under all Personal Peace and Family Peace policies is PHP 1,000,000.
  • What are the disabilities covered?
  • FWD will pay PHP 1,000,000 for each insured that suffers any of the following disabilities as a direct result of a Terrorist Act:

    Total and irreversible loss of sight on both eyes
    Total and irrecoverable loss of hearing of both ears
    Total and permanent inability to use both hands or both feet
    Total and permanent inability to use one hand and one foot
    Third degree burns affecting at least 20% of skin surface area

  • How long is the coverage?
  • All Personal Peace and Family Peace policies provide insurance coverage for a period of one (1) year. The policy can then be renewed yearly (referred to as the Anniversary Date) thereafter. Refer to the question on renewability for more details.
  • How much does it cost?
  • Personal Peace is available at the very affordable price of just PHP 2,000 annually!
    o Family Peace is available at the very affordable price of just PHP 3,000 annually, regardless of the total number of insured in your family (you, your spouse, and all of your minor children).
  • How can I apply?
  • It’s simple! Just click here to apply. Get on-the-spot cover in minutes, with no lengthy health questions asked.
  • What payment methods are available?
  • We currently accept credit card and debit card under Visa and Mastercard. Stay tuned as more payment options will be made available to our Customers very soon.
  • What are the conditions for a benefit to become payable?
  • If death or disability of an insured is not a result of a Terrorist Act as defined above. For clarity, the definition of a Terrorist Act above does not include the following scenarios:
    • extrajudicial killings
    • armed forces killed in an official military/police operation
    • random acts of violence perpetrated by a mad/insane person
    • cyber terrorism
    • war, civil war, invasion of another country

    If the death or disability of an insured is a direct result of his/her voluntary participation in a Terrorist Act or any activity declared unlawful by the government. Activities declared unlawful by a government includes riots, rebellions, insurrection, and other similar unlawful activities.

  • How do I file for a claim?
  • To file for a claim, the following documents must be submitted to FWD:
    1. Claimant’s statement.
    2. Attending Physician’s Statement(s), if applicable. 
    3. 3Complete medical consultation or hospital records including diagnostic exam results, if applicable
    4. Death Certificate, if applicable

    For more information please click here.

  • To whom are the benefit(s) payable?
  • Benefits shall be paid to you, if alive, otherwise:
    • death benefits will be paid to the surviving beneficiary(ies)
    • disability benefits will be paid to the insured who suffered the disability. 
    As a standard, all beneficiaries are primary, revocable, and with equal share in the benefit proceeds. Should you wish to make adjustments on your beneficiaries, you may call our Connect Hotline on +632 888 838.

  • When does a Peace policy terminate?
  • Personal Peace will terminate on any of the following incidents whichever is earliest:
    1. the date the insured dies
    2. the date when any of the benefits becomes payable, or
    3. on the 31st day after the Anniversary Date if not renewed 
    Family Peace will terminate on any of the following incidents whichever is earliest:
    1. the date when benefit for each of the insured family members has been paid or becomes payable, or
    2. on the 31st day after the Anniversary Date if not renewed

    Termination of a Peace policy will not invalidate any claim that may become payable as a result of a Terrorist Act that happened while the Peace policy was inforce.

  • How do I renew my Peace policy?
  • We will send you a renewal letter 30 days prior to your Anniversary Date. Included in this letter is the corresponding premium that you have to pay within the grace period of 31 days after the Anniversary Date. You just need to pay the corresponding premiums to renew your policy without the need to submit any other requirements.

    Subject to the approval of the Insurance Commission, we may opt to modify the premium, the amount of benefits to be provided, definition of Terrorist Act, or opt not to offer renewal. Notification will be sent to you ninety (90) days prior to the Anniversary Date regarding any modifications to your Peace policy.

  • Can I cancel my policy?
  • A Peace policy provides a 15-day free-look period, giving you time to go over your policy and make sure it’s the right one for you.  If you decide that the policy is not suitable for your needs, you may cancel your policy and receive a full refund by writing to Us within fifteen (15) days from the date your policy takes effect.
  • When can I enroll additional insured family members in my Family Peace policy?
  • You can enroll additional insured family members upon renewal of a Family Peace plan. We’ll include in the renewal letter the process on how you can enroll additional insured family members in your plan.
  • If I am single, can I add my parents or siblings as insured in a Family Peace policy?
  • No, only your legal spouse and your minor children below 18 years old are allowed to be insured in a Family Peace policy. What you can do is ask your Dad to avail of Family Peace and add as insured your mom and siblings who are 17 years old and below. If you have any siblings age 18 years old and above, they can directly avail of Personal Peace for themselves.
  • If I have Family Peace and I have my spouse and son as an additional insured, will Family Peace terminate upon my claim for a benefit?
  • The coverage for any insured family member under a Family Peace policy is independent of any claims made for other insureds. The insurance coverage for the other insured will continue even after a claim for another insured has been made.
  • When will I receive a copy of my Peace policy?
  • Peace policies are sent through email within the next 24 hours from confirmation of payment while policies sent through post are expected to arrive within 5 business days. 

Let us learn about your needs

Customer Hotline

+632 888 8388