FWD Hong Kong offers new IUL policy with uncapped index tie

Hong Kong ranks first in Asia in wealth per adult.

FWD Hong Kong as unveiled an indexed universal life (IUL) insurance product developed in collaboration with UBS Global Markets as an exclusive enhanced index solution provider, for eligible professional investors.

The plan, “Imperial Fortune Insurance Plan,” offers both life protection and wealth appreciation.

The plan also expands FWD’s portfolio of high-net-worth (HNW) life insurance solutions, complementing its existing participating life and traditional universal life offerings. 

It provides both life protection and investment growth potential through a crediting mechanism tied to an uncapped indexed account with a guaranteed minimum rate.

According to the UBS Global Wealth Report 2025, Hong Kong ranks first in Asia and third globally in wealth per adult, behind only Switzerland and the US.

FWD Hong Kong reported a 50% year-on-year increase in new business annual premium equivalent in 2024, exceeding the industry average growth rate of 28%, driven largely by HNW segment growth.

Key features of the Imperial Fortune plan include high insurance leverage, fixed policy charges, surrender-charge-free partial withdrawals, monthly indexed account transfers to manage market volatility, and multiple death benefit payout options.