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

Tham Ying Xuen, Olivia 谭莹瑄

About Tham Ying Xuen, Olivia 谭莹瑄

Hi, I’m Olivia, a financial adviser specializing in Wealth Enhancement and Estate & Legacy Planning.

Families work hard to build their wealth, but often lack a clear plan to grow it efficiently and pass it on securely. I believe every family deserves a professional roadmap for both.

Because legacy planning is so crucial yet rarely discussed, my partner and I co-founded YourLegacyBuddy. Across our social media channels, we share practical, accessible knowledge strictly focused on estate and legacy planning to ensure families are prepared before they need to be.

As your adviser, I bring both sides together. Whether you want to accelerate your wealth growth to achieve financial freedom (FIRE), or ensure your hard-earned assets are properly structured for the people you love, I’m here to help.

If you'd like to have a relaxed, no-pressure conversation about where to start, I'd love to hear from you.

Click here to contact me =)

你好，我是 Olivia，一位專注於財富增值與遺產及傳承規劃的理財顧問。

許多家庭辛勤大半輩子累積財富，卻往往缺乏清晰的計畫來高效增長財富並安全地傳承下去。我相信每個家庭都值得擁有一份兼顧這兩者的專屬財務藍圖。

因為傳承規劃至關重要卻鮮少被討論，我與合夥人共同創立了 YourLegacyBuddy。我們在各大社交平台上，專門分享實用的遺產與傳承規劃知識，確保更多家庭能在需要之前就做好準備。

身為你的理財顧問，我能為你將這兩者完美結合。無論你是想加速財富增長以實現財務自由（FIRE），還是希望為摯愛的家人妥善規劃與傳承資產，我都在這裡為你提供協助。

歡迎隨時與我聯繫，讓我們輕鬆、無壓力地聊聊該從哪裡開始。

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.