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FWD surrender form
How to surrender an FWD policy: full or partial surrender, what you receive, and why the rules differ between FWD's products.
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An independent guide. We are not FWD and do not run its customer portal.
Official source
FWD Singapore: Help centre articles, and its ILP surrender form.
Source typeInsurer help centre
Last checked14 October 2026
Open FWD's help articleNo details needed from you to follow these links.
Full or partial surrender
FWD's rules differ by product. Don't apply the rules of a savings plan to an investment-linked plan, or the other way round.
Full surrender
Ends the policy and pays the applicable surrender value, if any, after any debts or charges.
Partial surrender
On eligible contracts, takes out part of the value while the policy stays in force. It may reduce the sum insured or other benefits.
Rules by product
FWD publishes separate guidance for products such as its Save Smart Series, and its own surrender form for investment-linked plans.
Before you surrender
Read your own policy wording
Start with the exact product you hold, then FWD's article for that product.
Investment-linked charges
An ILP may carry surrender charges, and its value moves with fund prices.
Your net surrender value
Debts and charges come off. Ask FWD for the current net figure.
The cover you give up
Full surrender ends every benefit. A partial surrender may reduce cover too.
How to submit
- Find your exact policy wording.
- Check the current surrender value and any charges.
- Read FWD's help article for your product.
- Decide between a full and a partial surrender.
- Submit through FWD's app, help centre or servicing channels, or the ILP form if that applies.
- Keep the acknowledgement and check the payout.
What to bring
What FWD's form or servicing channel asks for.
How you are paid
FWD's help articles do not publish a payout time. Ask when you submit.
Checked 14 October 2026
Or sell it to us instead
We buy eligible FWD endowment and whole life policies paid in cash. We don't buy investment-linked plans at present. If we buy, you see our offer beside your net surrender value and choose.
Two numbers, one pageExample
FWD net surrender valueS$30,000
Our offerS$31,500
Figures are an illustration, not an offer.
FWD questions
Can I partially surrender my FWD policy?
On eligible contracts, yes. It may reduce the sum insured or other benefits while the policy stays in force.
Will I get my premiums back?
Not necessarily. In the early years the surrender value is often less than the premiums paid.
Does FWD deduct loans?
Yes. Debts and charges come off the applicable surrender value.
Do ILP charges apply?
An investment-linked plan may carry surrender charges. Check your policy and FWD's ILP form.
Is the surrender value guaranteed?
It depends on the product. For an ILP, the value moves with fund prices until the surrender is processed.
Can I sell an FWD policy instead?
If it is a participating endowment or whole life policy paid in cash, often yes. We don't buy investment-linked plans at present.
You never need to give us your NRIC to read this guide or to reach FWD's forms.