FWD Invest First Max boasts of competitive breakeven yield for a regular premium investment linked plan. This means that the underlying investment assets need not have a high required rate of return to overcome the policy fees and charges. Rather than imposing a constant charge rate throughout your policy term, the charge rates for Invest First Max will be reduced over time. This applies to both the initial account charge (IAC) rates and accumulation account charge (AAC) rates.

FWD Invest First Max offers complimentary auto-rebalancing option too. This is a disciplined approach to investing that will keep your investment portfolio’s risk characteristics in line with your risk appetite, regardless of market movements. Wondering if ILPs are a good fit for you? Read more here.

Some things to note. This review post will get dated. And the product might not be available for new subscriptions at some point. Hopefully this serves as reference for future policyholders who have forgotten what they have taken up.

There can be shifts in planning narratives over time. For example, limited premium tenures gain popularity over the years because people are less confident of their future earning capacity or sustainability of income levels. Regular payout features gained popularity when more and more people are in tune with the FIRE (Financial independence retire early) movement. An extended period of low interest rates brought down insurance products’ returns yield for policy holders, but now in a rising interest rates environment, things are set to change.

FWD Invest First Max may or may not fit into your financial plans. Understand that there is no best plan for all time, but there is a method to objectively facilitate your decisions. Read more about it here.

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