A life protection and savings plan offering 20 years of guaranteed coverage — plus guaranteed payouts starting Year 11 through Year 20. Built for the future of the people you love.
FutureSure is a traditional endowment plan from FWD Life Philippines. It provides 20 years of guaranteed life coverage, plus guaranteed payouts starting at the end of Year 11 through Year 20 — to help secure a future-ready tomorrow.
Unlike VUL plans, FutureSure carries no investment funds and no market risk. Your payouts, maturity benefit, and death benefit are 100% guaranteed — not projected, not estimated. Guaranteed.
This determines all your guaranteed amounts — death benefit, annual payout, and maturity benefit.
Choose the payment term that fits your cash flow. Your 20-year coverage is active from day one.
Receive 10% of your Sum Assured every year from Year 11 to Year 20 — in cash or accumulated with FWD.
Receive 100% of your Sum Assured — on top of all the annual payouts already received. Your family was protected throughout.
Your beneficiaries will receive 200% of the Sum Assured when the unexpected happens. This is applicable within the 20-year coverage period — active from day one, before you've even finished paying.
200% of Sum AssuredReceive 10% of your chosen Sum Assured each year, starting at the end of Year 11. You can choose to receive it as cash — or leave it with FWD to potentially earn non-guaranteed interest until maturity.
10% per year · Years 11–20You will receive 100% of your Sum Assured at the maturity date — as long as the insured is alive. This is in addition to the annual payouts already received during Years 11 to 20.
100% of Sum Assured at Year 20You may include this as an add-on benefit subject to applicable provisions. If the insured is diagnosed with a critical illness, becomes permanently disabled, or if the policy owner dies — no premiums need to be paid. Your family remains protected.
Optional add-on · Additional premium appliesSet your target Sum Assured. Your guaranteed benefit amounts calculate instantly. Annual premiums depend on age, gender, and underwriting — book a free assessment for your personalised figures.
Benefit amounts are guaranteed per FWD product specifications. Annual premiums are not shown as they vary by age, gender, and underwriting. *Additional premium applies when Waiver of Premium is included.
Use your payouts for tuition fees, enrichment classes, summer workshops, and activities that support your child's all-round development.
| Insured | 32 yrs old · married working mother · 1 kid |
| Sum Assured | ₱500,000 |
| Guaranteed Payout | ₱50,000/yr from Year 11 |
| Maturity Benefit | ₱500,000 |
| Death Benefit | ₱1,000,000 |
| Payment Period | 10-Pay |
| Annual Premium | ₱75,130 |
Grow your retirement fund with guaranteed payouts to complement your pension, support long-term financial security, and enjoy greater comfort in your later years.
| Insured | 49 yrs old · married · 2 adult children |
| Sum Assured | ₱1,000,000 |
| Guaranteed Payout | ₱100,000/yr from Year 11 |
| Maturity Benefit | ₱1,000,000 |
| Death Benefit | ₱2,000,000 |
| Payment Period | 5-Pay |
| Annual Premium | ₱301,940 |
Use your payouts for travel, hobbies, or memorable experiences you've always wanted to try. A guaranteed fund for the version of you who finally has time.
| Insured | 41 yrs old · single |
| Sum Assured | ₱1,500,000 |
| Guaranteed Payout | ₱150,000/yr (Accumulated) |
| Maturity Benefit | ₱1,500,000 |
| Death Benefit | ₱3,000,000 |
| Payment Period | 10-Pay |
| Annual Premium | ₱227,760 |
FutureSure lets grandparents build a guaranteed fund to support their grandchild's education, early adulthood, or future dreams — when it matters most.
| Insured | 6 yrs old · Grade 1 student |
| Policy Owner | 60 yrs old · Lolo (Retired) |
| Sum Assured | ₱1,000,000 |
| Guaranteed Payout | ₱100,000/yr from Year 11 |
| Maturity Benefit | ₱1,000,000 |
| Death Benefit | ₱2,000,000 |
| Payment Period | 5-Pay + Waiver of Premium |
| Annual Premium | ₱359,855* |
*Amounts shown are for illustration purposes only and may vary. Personas are not actual persons. *Additional premium applies when Waiver of Premium is included.
Your guaranteed 10% annual payout is released to you as cash starting at the end of Year 11. Use it immediately — tuition, retirement income, travel, anything you need.
Choose to leave your annual payouts with FWD to potentially earn non-guaranteed interest until maturity. The payout amounts remain guaranteed — only the additional interest is not.
A private assessment takes 30 minutes. We map your situation, walk you through your personalised numbers, and show you exactly what FutureSure can do for your family. No pressure. No obligation.
Book My Free AssessmentRhoda Santos · Licensed FWD Financial Advisor · +63 917 314 1834