Life protection meets future planning with FWD Ultra Linked 99/99, the investment-linked insurance plan from FWD Insurance

The latest data from the Bank of Thailand (2022) shows that Thai people's financial literacy continues to improve, with an average score of 71.4%, up from 67.4% in 2020 and higher than the OECD average of 60.5%. Moreover, more than 61% of respondents have started retirement savings, reflecting a rising focus on long-term financial planning.

At the same time, data from the Thai Life Assurance Association confirms this trend, reporting that in the first half of 2025, investment-linked insurance plans generated total premiums of THB 19,412 million, representing growth of 7.54%. This demonstrates the increasing demand for products that combine life protection with investment opportunities.

Mr. David Koruni?, Chief Executive Officer for Thailand & Cambodia at FWD Insurance, said: "FWD Ultra Linked 99/99 was developed with a customer-led approach to meet the needs of people seeking financial security aligned with their life goals. It is a financial tool designed to be easier to understand and accessible with affordable premiums, enabling everyone to confidently benefit from an investment-linked insurance plan. With flexible features that adjust to personal goals, opportunities for investment returns, and life protection up to age 99*, premiums start from just THB 12,000 per year. In addition, customers can conveniently access policy services all in one place through the Omne by FWD application, which makes it easy to manage investments and policies in real time - anytime, anywhere. FWD Insurance is ready to be your financial partner for every journey, helping you plan your life, shape your future, and live fully with both protection and investment confidence."

*"Coverage period depends on fund performance and the policy's surrender value."

FWD Ultra Linked 99/99 offers key features that make financial planning simpler, including:

• Flexibility and Convenience: Choose life protection up to 200 times the annual basic premium (depending on the insured's age), add investment with top-up premiums, make partial withdrawals, or take premium holidays when needed.
• Value and Stability: Receive a special lump-sum bonus at policy year 5, plus annual loyalty bonuses starting from policy year 9 onwards.
• Open Architecture: Enjoy the freedom to invest across more than 28 carefully selected mutual funds from 10 leading asset management companies, supported by tools such as Recommended Portfolios by Risk Profile and Automatic Recommended Portfolio Rebalancing by Investor's Risk Level (ARPR), which automatically rebalances portfolios every 3 months based on the customer's latest risk profile.

Remark: Conditions apply as stated in the policy contract.

Starting your financial planning today is the first step toward a secure future. FWD Ultra Linked 99/99 is the complete solution for the new generation, combining life protection with long-term investment opportunities for financial confidence.

Interested customers can learn more about the "FWD Ultra Linked 99/99" plan at www.fwd.co.th/th/investment-linked-insurance/, contact FWD life insurance agents nationwide, or call the FWD customer service center at 1351.

Disclaimer: Prospective policyholders should ensure that they fully understand the product features, coverage, conditions, returns, and risks before making any decision to invest and purchase life insurance.

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