FWD Online Platform Referral Campaign

To show our existing customers the utmost appreciation for their continuous support, we would like to introduce our FWD Online Insurance Platform Referral Campaign. Upon successful referral of every FWD Online Insurance Platform new customer, the existing customer will receive a HK$400 supermarket cash coupon from us.

Promotion period until 31 August 2024

Once the referral is approved, we will send the supermarket coupon to the Referrer via email

Important Note
Referrer should only share informal testimonials via causal chat with his/her friends based on his/her customer experience at FWD Online Insurance Platform. Referrer must not encourage, persuade, convince or recommend others to buy designated insurance products, involve or participate in the insurance application procedure of the referee (as this may be an offence under the Ordinance). Referee should make his/her own decision when applying for insurance product(s) based on own insurance need and not rely on any advice or information provided by Referrer. Referee should acknowledge that the Referrer is not an insurance agent of FWD and should visit FWD Online Insurance Platform or contact us directly on any enquiries regarding insurance products.

For enquiries, please call our service hotline (852) 3123 3338.

Before joining this Referral Campaign, please read the Terms and Conditions.

Terms and Conditions

FWD Online Insurance Platform Referral Campaign (“the Promotion”) period is valid until 31 August 2024 (both dates inclusive) (“Promotion Period”).

Referee is eligible to enjoy the offers below for his/her first application of the following insurance products that are underwritten by FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”) (“Designated Insurance Product(s)”) on the FWD Online Insurance Platform with promo code FWDREF in annual payment mode during the Promotion Period:

Designated Insurance Products	Referee Offer
MyTerm Plus Term Life Insurance Plan	70% off for the first-year premium and a free body check up** (Minimal Sum Insured for Referrer Offer: HK$3,000,000)
MyCover Critical Illness Plan	70% off for the first-year premium and a free body check up** (Minimal Sum Insured for Referrer Offer: HK$2,500,000)
MyMillion Medical Plan	70% off for the first-year premium and a free body check up**
vPrime Medical Plan*	Up to 50% off for the first-year premium and a free body check up**
Easy WealthPlus Endowment Plan^	2.3% premium discount and supermarket e-coupon^^

*vPrime Medical Plan is a Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (Certification Number: F00045) (VHIS provider registration number: 00036).
**For Terms and Conditions for the free body Check up, please visit here. This service is optional and does not form part of the Terms and Benefits of vPrime Medical Plan. You have the right to opt out of this promotion.
^ This Plan is offered for a limited period and on a limited quota basis.
^^For Terms and Conditions for the supermarket e-coupon, please visit here.

The respective Designated Insurance Products are subject to change as determined by FWD Life from time to time without notice. The policies of Designated Insurance Products are subject to the respective products’ terms and conditions. Please refer to the Designated Insurance Products brochures and policy provision for details. Before applying, please confirm you fully understand the product and how it can meet your needs. These promotional offers or promotional materials should be read in conjunction with the relevant product’s webpage and terms and conditions. You should not purchase this product solely on the basis of these promotional offers or promotional materials. The above does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy documents.

Referrer is eligible to enjoy a supermarket cash coupon valued HK$400 upon the Referee’s successful application of a Designated Insurance Product on FWD Online Insurance Platform with promo code FWDREF in annual payment mode, which means the Referee has become a new FWD Online Insurance Platform customer during the Promotion Period, and submission of the Referee Registration. (“Referrer Offer”)
The Referrer Offer will be approved and will be given to the Referrer’s email within 5 months after the Referee's policy issuance.
In order to Qualify for the Promotion as a Referrer, the customers:
1. Must be aged 18 or above and a permanent resident of Hong Kong; and
2. Must be the policyholder of a FWD Online Insurance Product and maintain the policy in force during the Promotion Period; and
3. Has provided his/her last name, given name and phone number (which should match with the FWD policyholder record) to the Referee, and has provided consent to the Referee on using the above information for the Referee registration for the Promotion.
In order to Qualify for the Promotion as a Referee, the referred customers:
1. Must be aged 18 - 100 and a permanent resident of Hong Kong; and
2. Must not hold any FWD Life insurance policy on or before 9 February 2024; and
3. Must submit application of Designated Insurance Product(s) underwritten by FWD Life through FWD Online Platform during the Promotion Period for the first time and the application must be accepted by FWD Life and issued on or before 30 September 2024 (“Eligible policy”); and
4. Has obtained consent from the Referrer on using his/her last name, given name and phone number (which should match with the FWD policyholder record) for Referee registration for the Promotion; and
5. Has registered as a Referee in the promotion page
The Referrer and the Referee are responsible for providing correct and accurate information in the Referral registration forms, which must match with the FWD Online Insurance Platform system record for the purpose of verification and approval for the Promotion. If there is any mismatch due to inaccurate information, the referral registration will be deemed unsuccessful.
The Referrer and the Referee must not be the same person.
Each Referee can submit only one Referral registration. If the Referee successfully applies for more than one Designated Insurance Products upon referral by the same Referrer, the Referrer can only enjoy the Referrer Offer once from referral of the same Referee.
Quota applies to the Referrer Offer on a first-come-first-serve basis.
By entering the Promotion, both the Referrer and Referee acknowledge that the Referrer is not an insurance agent of FWD Life or FWD Financial Limited (“FWD Financial”). The Referrer can only share personal testimonials based on his/her own customer experience at FWD Online Insurance Platform, while the informal sharing is not in any way associated with FWD Life/FWD Financial, and neither party will conduct or engage in any Regulated Activities as defined under the Insurance Ordinance: The Referrer must not encourage, persuade, convince or recommend others to buy designated insurance products; answer to questions about insurance products; participate in the insurance application procedure of the Referee.
Unless specified, the Referrer Offer cannot be used together with other promotions and/or offers.
The Referrer Offer cannot be refunded, changed or redeemed for cash, exchanged for other gifts or services.
For the supermarket coupon given under the Promotion and the use of the products and/or services related to the supermarket coupon will be subject to the terms and conditions imposed by the supplier. FWD Financial is not the supplier of products and/or services. FWD Financial will not be responsible for the availability or quality of the products and/or services or the consequences of using the products and/or services (including but not limited to the service quality of the providers) under any circumstances.
The application submission date and the issuance date of policy of the Designated Insurance Products are based on the records of FWD Life. FWD Life and/or FWD Financial will not be responsible for any delay, loss, error or unrecognized situation due to computer and/or Internet’s connection, technical problem, malfunction or accident.
If the Referrer or Referee cancel or surrenders their policies before the distribution of the Referrer Offer, the Referrer will not be eligible to enjoy the Referrer Offer.
If the Referee cancels or surrenders the policy of the Designated Insurance Product(s) before the end of the first policy year, FWD Life and/or FWD Financial shall have the right to cancel the Referrer Offer of that referral.
FWD Life and/ or FWD Financial reserves the rights to cancel the eligibility for the Promotion enjoyed by the Referrer or Referee without further notice.
FWD Life and/or FWD Financial reserves its absolute discretion to withdraw or vary this Offer without further notice.
In case of any dispute arise in the contents of this leaflet or this Offer, FWD Life and/or FWD Financial has final interpretation right on the contents of this leaflet. For any dispute, the decision of FWD Life and/or FWD Financial shall be final.
This campaign page is issued by FWD Life and/or FWD Financial and is intended to be promoted in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products or services of FWD Life and/or FWD Financial outside Hong Kong. All application procedures of the insurance plans and services in promotion must be conduct and completed online via FWD Platform in Hong Kong.

Important Notes:

FWD Life is authorized by the Insurance Authority to carry on insurance business in Hong Kong.
FWD Online Insurance Platform is operated by FWD Financial. FWD Financial is an appointed insurance agency of FWD Life. FWD Financial is a licensed insurance agency under the Insurance Authority with license no. FA2568.
The promotion is provided by FWD Financial and FWD Life (collectively named as “FWD”) intended to be offered in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of FWD Life outside Hong Kong. Please refer to the policy documents and provisions issued by FWD Life for details.
FWD Life and/or FWD Financial reserves the final decision in approving any applications and any disputes that may arise from this promotion stated in this leaflet.
FWD Life and/or FWD Financial reserves the right to amend the terms and conditions of the Offer or terminate or discontinue the Offer at any time without prior notice. All decisions made by FWD shall be final and binding.