FWD Life PA

Comprehensive Protection for Your Whole Life

Guaranteed Renewability

Coverage is guaranteed renewable until age 100. As long as premiums are paid, your protection stays active - securing long-term protection for you an your family.

Lifetime 10% No Claim Discount

After three consecutive claim-free years enjoy a lifetime 10% No Claim Discount on your premiums applied to the entire policy, including optional riders.

Comprehensive Medical Coverage

Claim for inpatient and outpatient accident-related medical expenses, including hospital stays, Chinese physicians, chiropractors and acupuncturists.

Unparalleled Coverage

Get covered with 300% of sum insured for accidents on commercial flights or cruises, and 200% on public transport, private vehicles and PMDs.

Catch-All Rider

If an accidental injury results in an ICU stay of at least 120 consecutive hours with the use of invasive life support, receive an additional 10% of your sum insured.

Income Support Rider

With this rider, you receive daily hospital cash or weekly income benefits during accident-related hospitalisation or temporary total disability.

Terms and Conditions apply.
Please refer to policy documents for details.

Buy FWD Life PA

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Client Acknowledgement

This insurance product is underwritten by FWD Singapore Pte Ltd ("FWD"). All insurance applications are subject to FWD’s underwriting and acceptance.

By proceeding with the insurance application, you acknowledge and agree that:

• Financial Alliance Pte Ltd ("FAPL") may collect, use, and disclose your personal data, as provided by FWD to FAPL as a result of your application, for the following purpose(s) in accordance with the Personal Data Protection Act 2012 and our data protection policy:

- the administration and servicing of your policy, should you reach out to us

Please visit our website for further details on our data protection policy, including how you may access and correct your personal data or withdraw consent to the collection, use or disclosure of your personal data.

• All information submitted through this website will be your own, and will be true, accurate, and unaltered.

• Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should read the policy documents, including the product summary, carefully and you are responsible for ensuring that the policy is suitable and appropriate in meeting your financial needs and objectives.

I accept the above terms & conditions and acknowledge that my information will be used for the aforementioned purposes.

Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative

Esther Chew

Financial Advisory Manager (AFP, AWP, MDRT)

About Esther Chew

Hi, I'm Esther.

I advise professionals, doctors, and high-net-worth families on protecting, growing, and preserving their wealth through thoughtful financial planning.

My philosophy is simple: every dollar should have a purpose. Rather than accumulating unnecessary policies or investments, I help clients build efficient portfolios that balance wealth accumulation, risk management, liquidity, and legacy planning—helping them achieve financial independence with confidence.

As a fee-based financial planner, every recommendation begins with your objectives. Whether you're reviewing an existing portfolio or planning for retirement, your children's education, or intergenerational wealth transfer, my advice is tailored to your unique circumstances and long-term goals.

With access to solutions from 18 leading life insurers, together with a broad range of investment platforms and asset managers, I provide tailored advice and objective comparisons, allowing clients to make informed decisions without being limited to a single institution.

My clients value discretion, technical expertise, and honest advice delivered without pressure. Over the years, I have had the privilege of guiding clients through many of life's most significant financial milestones. My goal is to remain a trusted adviser for every stage of that journey.

If you're looking for a long-term financial partner who combines strategic thinking with personalised service, I'd be delighted to connect.

Frequently Asked Questions

By definition, a FA firm is one that sells the products from more than one insurer or business partner.

However, you should consider whether the FA firm can ensure that financial advice given is free from the undue financial influence.

Ever since our founding more than two decades ago, Financial Alliance is committed to offer impartial and client-centric financial advice.

We have your best interest at heart and will leave you to make your decision.

If suitable and impartial financial advice is what you seek, then you should only engage a trusted FA firm.

At Financial Alliance, we are dedicated to offering our clients the best financial advice.