Retirement Protection Architecture

The Retirement You Want
Starts With a Decision Today.

Most Filipinos reach retirement age with less than they need — not because they didn't work hard enough, but because they started planning too late. The earlier you begin, the less it costs and the more it grows.

The Reality

Most Filipinos Plan to Rely on Their

Children.
That is Not A Retirement Plan.

In the Philippines, retirement savings culture is still developing. Most workers depend on

SSS, family support, or nothing at all. But SSS pays an average of ₱5,000–₱18,000 per

month — far below what most families need to maintain their lifestyle.

₱5,000–₱18,000

Average monthly SSS

pension — often the only retirement income most Filipinos receive

68%

Of Filipino workers have no private retirement savings outside of SSS

20–25 years

The average number of

years a Filipino lives after retirement — your fund

needs to last this long

The Age Advantage

The Earlier You Start,
The Less You Pay for More.

Your premium is determined by your age at entry. Lock it in young — and you pay the lowest possible rate for the highest possible growth.

Age 20–30

Prime Window

Lock in the lowest premium available.

Starting in your 20s means you can finish paying by your early 40s — while you're still earning well — and let your fund grow untouched for 20 or more years before retirement. The same fund costs significantly more if you wait just 5 years.

Finish paying while young. Let compounding do the rest.

Age 31–40

Still Strong

You're in a solid position — but the window is moving.

Starting in your 30s still gives you a comfortable payment period ending in your late 40s or early 50s — well before retirement. Premiums are higher than your 20s, but the growth potential is still strong.

Act now and finish payments before retirement pressure peaks.

Age 41–50

Act Now

You're in a solid position — but the window is moving.

Premiums are higher in your 40s, but starting now still gives your fund meaningful growth time. The alternative — waiting further — is significantly more expensive and leaves far less time for compounding.

Starting today is always better than starting tomorrow.

Age 51+

Urgent

The window is narrowing — but there are still good options.

A tailored financial plan at this stage focuses on maximizing what you have, protecting what you've built, and ensuring your family is covered if something happens before maturity.

Let's find the most efficient path from exactly where you are.

"The decision you make at 25 is worth 3 times more than the same decision at 40. Not because of discipline — but because of time."

The Method

Four Phases of
Building Your Retirement.

01

Retirement Goal Setting

We calculate exactly how much you need at retirement — based on your lifestyle, not a generic formula.

02

Gap Analysis

We map your current savings trajectory against your target. You'll see precisely where you stand and what it takes to close the gap.

03

Plan Design

We build a retirement structure using FWD's VUL or endowment products — matched to your income, timeline, and risk tolerance.

04

What Happens After You Finish Paying

Your fund continues growing after your last premium. At retirement age, you receive your maturity benefit — as a lump sum or structured payouts. Your family is protected throughout the entire term.

The Journey

You Pay. It Grows.
Then It Works For You — Forever.

Here is exactly what happens from the day you start to the day you retire.

You start your plan (Today)

You lock in your premium at today's age.

Your monthly contribution begins. Your sum assured is active from day one — meaning your family is protected even before you finish paying.

Payment period (Years 1 to X)

You pay. Your fund grows.

Every premium contributes to your retirement fund. Even during the payment period, your money is working — growing at a projected rate year on year.

You finish paying (While still earning)

Your last premium is paid.

If you started young, this happens while you're still in your peak earning years — in your 40s or early 50s. From here, you pay nothing. But your fund keeps growing.

Fund grows untouched (Years X to Retirement)

Compounding does the work.

Your fund continues to grow every year with no additional contribution from you. This is where early starters have the biggest advantage — more years of uninterrupted compounding.

Retirement age (Your target year)

Your maturity benefit is released.

You receive your full retirement fund. You choose: take it all as a lump sum, or structure it as monthly income for life. Either way — it's yours.

Legacy (If something happens before maturity)

Your family is protected throughout.

If you pass before reaching retirement age, your beneficiaries receive the death benefit immediately.

The plan protects both your future and your family's present.

Retirement Calculator – Living Wisely

Retirement Assessment

How much do you need
to retire the way you want?

Takes 2 minutes. No personal data stored. See your retirement gap and what it takes to close it.

01 — About You

Current age

Target retirement age

Monthly income (PHP)

02 — Your Retirement Goals

Retirement lifestyle

Life expectancy assumption

03 — Where You Are Now

Current savings / investments (PHP)

Monthly amount currently saving (PHP)

Your Retirement Picture

—

Retirement Fund Target

—

Projected at Retirement

—

Funding Gap

—

Currently on Track

—

Monthly Retirement Expense

—

Additional Monthly Needed

Current trajectory 0%

Your Age Advantage

Act Now

The window is moving. The most expensive decision is the one you delay.

What Happens From Here

Step 01

You start your plan

Your sum assured is active from day one. Your family is protected even before you finish paying.

Step 02

You pay your premiums

Every contribution grows your retirement fund. You are building your future with every payment.

Step 03

You finish paying

If you started early, this happens while you're still earning well. From here — you pay nothing more. Your fund keeps growing.

Step 04

You retire

Your maturity benefit is released. Take it as a lump sum or monthly income. Your working years funded your freedom.

Throughout the entire term — if something happens to you before retirement — your beneficiaries receive the death benefit immediately. Your plan protects both your future and your family's present.

Calculator results are for illustration purposes only and do not constitute financial advice. Actual premiums, coverage amounts, and investment returns may vary. Consult a licensed financial advisor before making any financial decisions.

Retirement Protection Architecture

The Retirement You WantStarts With a Decision Today.

Most Filipinos reach retirement age with less than they need — not because they didn't work hard enough, but because they started planning too late. The earlier you begin, the less it costs and the more it grows.

The Reality

Most Filipinos Plan to Rely on Their

Children.That is Not A Retirement Plan.

In the Philippines, retirement savings culture is still developing. Most workers depend on

SSS, family support, or nothing at all. But SSS pays an average of ₱5,000–₱18,000 per

month — far below what most families need to maintain their lifestyle.

₱5,000–₱18,000

Average monthly SSS

pension — often the only retirement income most Filipinos receive

68%

Of Filipino workers have no private retirement savings outside of SSS

20–25 years

The average number of

years a Filipino lives after retirement — your fund

needs to last this long

The Age Advantage

The Earlier You Start,The Less You Pay for More.

Your premium is determined by your age at entry. Lock it in young — and you pay the lowest possible rate for the highest possible growth.

Age 20–30

Prime Window

Lock in the lowest premium available.

Starting in your 20s means you can finish paying by your early 40s — while you're still earning well — and let your fund grow untouched for 20 or more years before retirement. The same fund costs significantly more if you wait just 5 years.

Finish paying while young. Let compounding do the rest.

Age 31–40

Still Strong

You're in a solid position — but the window is moving.

Starting in your 30s still gives you a comfortable payment period ending in your late 40s or early 50s — well before retirement. Premiums are higher than your 20s, but the growth potential is still strong.

Act now and finish payments before retirement pressure peaks.

Age 41–50

Act Now

You're in a solid position — but the window is moving.

Premiums are higher in your 40s, but starting now still gives your fund meaningful growth time. The alternative — waiting further — is significantly more expensive and leaves far less time for compounding.

Starting today is always better than starting tomorrow.

Age 51+

Urgent

The window is narrowing — but there are still good options.

A tailored financial plan at this stage focuses on maximizing what you have, protecting what you've built, and ensuring your family is covered if something happens before maturity.

Let's find the most efficient path from exactly where you are.

"The decision you make at 25 is worth 3 times more than the same decision at 40. Not because of discipline — but because of time."

The Method

Four Phases ofBuilding Your Retirement.

01

Retirement Goal Setting

We calculate exactly how much you need at retirement — based on your lifestyle, not a generic formula.

02

Gap Analysis

We map your current savings trajectory against your target. You'll see precisely where you stand and what it takes to close the gap.

03

Plan Design

We build a retirement structure using FWD's VUL or endowment products — matched to your income, timeline, and risk tolerance.

04

What Happens After You Finish Paying

Your fund continues growing after your last premium. At retirement age, you receive your maturity benefit — as a lump sum or structured payouts. Your family is protected throughout the entire term.

The Journey

You Pay. It Grows.Then It Works For You — Forever.

Here is exactly what happens from the day you start to the day you retire.

You start your plan (Today)

You lock in your premium at today's age.

Your monthly contribution begins. Your sum assured is active from day one — meaning your family is protected even before you finish paying.

Payment period (Years 1 to X)

You pay. Your fund grows.

Every premium contributes to your retirement fund. Even during the payment period, your money is working — growing at a projected rate year on year.

You finish paying (While still earning)

Your last premium is paid.

If you started young, this happens while you're still in your peak earning years — in your 40s or early 50s. From here, you pay nothing. But your fund keeps growing.

Fund grows untouched (Years X to Retirement)

Compounding does the work.

Your fund continues to grow every year with no additional contribution from you. This is where early starters have the biggest advantage — more years of uninterrupted compounding.

Retirement age (Your target year)

Your maturity benefit is released.

You receive your full retirement fund. You choose: take it all as a lump sum, or structure it as monthly income for life. Either way — it's yours.

Legacy (If something happens before maturity)

Your family is protected throughout.

If you pass before reaching retirement age, your beneficiaries receive the death benefit immediately.

The plan protects both your future and your family's present.

How much do you needto retire the way you want?

From hoping for the best to planning for it.

The Retirement You Want
Starts With a Decision Today.

Children.
That is Not A Retirement Plan.

The Earlier You Start,
The Less You Pay for More.

Four Phases of
Building Your Retirement.

You Pay. It Grows.
Then It Works For You — Forever.

How much do you need
to retire the way you want?

From Uncertain Retirement
To Deliberate Freedom.

Your Retirement Deserves
A Real Plan.