Welcome to our site! Please read the following terms and conditions carefully. When accessing this site, you agree to be bound by the following terms and conditions. If you do not agree with the terms and conditions attached, please do not access this site.
Unless otherwise noted, all materials and contents of this site is owned by FWD Life Insurance Corporation (hereinafter referred to as the “FWD”).


FWD controls and maintains this website from the Republic of the Philippines and FWD makes no representation that the material and information contained herein is appropriate or available for use in other jurisdictions. These Terms and Conditions are governed by the laws of the Republic of the Philippines and any dispute shall be subject to the non-exclusive jurisdiction of the courts of the Philippines.

Access and Use

Access to the site is free. Costs of access to and use of the telecommunication network are to be paid by you, the Internet user, in accordance with the terms stipulated by your service provider and telecom operator.
FWD grants you a limited license to access the site and use the services in accordance with these Terms and Conditions, as well as the instructions and guidelines posted on the site. FWD reserves the rights to terminate your license to use the site and services at any time and for any reason, or in the future, charge for commercial usage.
Unauthorized use of this site and systems including but not limited to spamming, spam related activities, or disassemble, decompile, copy, modify or reverse engineer any of the software therein, or allow anyone else to do so, unauthorized entry into FWD’s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.
You agree not to collect, use or harvest any personally identifiable information from this site. You also agree not to copy any text, image, code or other content from this site without FWD’s explicit consent and permission for it.
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Hypertext Links

The creation of hypertext links to the site is subject to the explicit prior approval of the sites administrator. FWD may not, under any circumstances, be held responsible for the hypertext links made to other sites from this site. Bear in mind that delays, omissions, or inaccuracies are likely to occur because of the electronic transmission system.


The site may contain links to sites controlled or offered by third parties and not by the FWD. The inclusion of any link to such websites does not imply approval of or endorsement by FWD of the websites or the content thereof. FWD shall not be liable for any information, materials, products or services posted or offered at any of these third-party sites linked to this site. By participating in any promotion sponsored, endorsed or administered by third parties, you agree to a complete release of FWD from any claims or liabilities.

Intellectual Property

This site must be seen as an inseparable whole. Complete or partial reproduction or representation of the pages, the data and any other element constituting the site, by any process and on any support, is prohibited and constitutes, without the publisher’s permission, an infringement of copyright. The brand names and/or logos featured on the site are owned or acquired under license contract by FWD.

Technical Information

Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of FWD. It is up to each user in particular to take all appropriate steps to protect his own data and/or software against contamination by any viruses, worms, etc. circulating on the Internet/web.


Users of the site are informed that when they access this site, information may be temporarily stored in memory or on their hard disk, which is known as “cookies”, in order to optimise and customise navigation on the site. It is possible for any user to configure the preferences of his browser to refuse cookies. Most web browsers are initially set up to accept cookies. Nonetheless, you can choose to ‘not accept’ such cookies by changing the settings on your web browser. Please note that if you block all cookies, including strictly necessary cookies, certain functions of the site may not be accessible or some features may not work properly.

Absence of Guarantee

FWD endeavors to keep this site up to date. However, FWD does NOT guarantee the accuracy, adequacy, correctness, completeness, or quality of any information or material presented on this site and expressly disclaims any liability for errors or omissions in the information or material. FWD does not provide any warranty of any kind, implied, expressed or statutory including but not limited to warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus.

Limitation of Liability

FWD, as well as any of its directors, officers, employees and/or representatives, shall in no case be held responsible for any direct or indirect damage, loss, or injury, serious or otherwise, resulting from a visit to, access, or use of this site or linked sites, or the use of or reliance on any information or material of the site, or the inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, or associated with the site or visit to the site or linked sites, including without limitation special, incidental or consequential damages, losses or expenses.


Should any provision of these Terms and Conditions be or subsequently become invalid, illegal or unenforceable, these Terms and Conditions shall be deemed amended to delete therefrom the provision adjudicated invalid, illegal or unenforceable and the validity of the remaining provisions of these Terms and Conditions shall not be affected thereby. However, to the extent possible, any provision adjudicated invalid, illegal or unenforceable shall be replaced with a provision which most closely provides the intended result of the deleted provision.


FWD reserves the right to add to, modify or remove, without prior warning or notice, any information or material contained on this Web Site any of the provisions of this Terms and Conditions at any time.