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Manila Bulletin devider Technews devider FWD launches its latest digital product called 'The One'

FWD launches its latest digital product called 'The One'

Published Feb 6, 2023 01:52 pm

Online shopping is no longer limited to fashion, electronics, food, and other necessities; we can now obtain insurance coverage through digital means. Products and services are changing as a result of several technological breakthroughs and changes. Trends in technology have the power to significantly alter some of the fundamental components and primary functions of insurance products. These changes are already taking place, as more insurers are acting right away, creating new products, and having more ambitious goals for how technology may improve their businesses.

The digital product FWD The One, which is a fully customizable coverage plan to satisfy the lifestyle and financial needs of several generations of Filipinos, from Gen Z to 70 years old, is part of FWD Life Insurance's ("FWD") effort to improve the quality of its services.

With the amount of time spent online, anyone can now search for and purchase a personalized insurance plan for any stage of life. FWD now provides clients with faster and smarter insurance. From paperless claims to their comprehensive 'e-service,' they have it all.

In fact, the insurer has been at the forefront of providing innovative customer services, digital sales channels, and marketing partnerships that leverage technology to meet customers' changing needs. Its AI talkbot Frankie, insurance mobile app FWD Tapp, FWD Online Shop and the “FWD-MCX: Road to Progress” partnership launch have been recognized by judges as some of the best tech innovations in the industry.

FWD The One, which is readily available online, reflects the definition of "the one" that the current generation associates with themselves: a perfect companion, a lifelong interest, an advocate, or a personal objective. As consumers' digital habits change, FWD developed the product to be adaptable for various life stages. Due to its configurable features and advantages, FWD The One will be the perfect lifetime insurance for many generations.

“Gen Zers are living their lives very differently to those of previous generations – this means there is no longer a one size fits all model for addressing people’s financial needs across their lifetimes. As an innovative, caring and different insurer, we’re also aware that older generations need access to coverage that meets their specific needs. To support our vision of changing the way people feel about insurance, we designed FWD The One to be digitally accessible, affordable, and customizable to help Filipinos across generations get the protection they need with ease and confidence,” said FWD Chief Marketing and Digital Business Officer, Roche Vandenberghe. 

FWD The One is available to Filipinos aged 18 to 70 who are legal residents of the Philippines for at least six months, with no medical tests required during application. It’s easy to buy through FWD’s online shop, with the starting premium as low as Php 330, based on the customer’s age, budget and protection needs. Customers can customize their plan and add coverage on top of life insurance, such as coverage against 42 major critical illnesses and accidental death benefit. For those who want a higher benefit amount, they can reach out directly to FWD financial advisors.

This latest innovative product comes with four options: The One for Life, which offers death benefit; The One for Life and Critical Illness, which provides a combination of both death and critical illness benefits; The One for Life and Accident, which bundles death benefit with accidental death benefit; and The One for Life, Accident, and Critical Illness, which covers all three benefits. 

The death benefit is renewable until age 99, while the accidental death and critical illness benefits are renewable until the insured reaches 79 years old. Upon purchase of FWD The One insurance plan, customers will be rewarded with a cup of coffee redeemable within 20 days.

“FWD The One is really for everyone, whether you’re just starting your career or already planning for retirement. You can create your own The One so you can celebrate living with no limitations,” said Roche.

Payments can be made with a credit card, a debit card, or up to Php 10,000 in GCash. The contract will be available digitally via the FWD Tapp mobile app. For a fee, a paper version of the policy can be mailed to the client's address.

On top of their online products, FWD also provides online customer support via Fi, the next-generation chatbot that can assist clients 24 hours a day, 7 days a week.

Fi provides clients with data-backed recommendations for insurance plans that are tailored to their specific needs and lifestyle.

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