Life and investment insurance
Bebas Optimal
Pure protection with pure investment
FWD Bebas Optimal not ony provides the life protection you need, but will take it a step further. It gives higher potential growth by investing your entire basic premium from day one - with no fund switching or admin costs. Make your protection deliver the most potential for you!
FWD Bebas Optimal is also sold through PT Commonwealth Bank Indonesia under the name FWD Maxima Invest Link.
available-to-buy
- via FWD agents
- Bank partner
Protection until 80
Receive the full Sum Assured if the insured passes away from illness or accident before or upon reaching age 80.
Grow your wealth safely
Invest with confidence in funds such as FWD Sprint Money Marke Fund, FWD Sprint Fixed Income Fund, FWD Sprint Balanced Fund, FWD Sprint Equity Fund.
Maturity benefit
Maturity bonus will be paid at the end of the insurance contract.
Loyalty Bonus
Get the opportunity to earn Loyalty Bonus starting on the 5th policy anniversary after the premium payment period ends.
Free from costs
Administrative and fund-switching costs are waived, so all your premiums go purely into your investment.
See all
Other recommended products
Find product brochure and information
Frequently asked questions
We'll pay the account value either when you reach the end of the plan's term; or you make a withdrawal; or you surrender or cancel the plan. At the end of the term, if there's been no life insurance claim, there's no refund of premiums.
It's how much money is currently in your investment fund(s). This amount can fluctuate according to the performance of your investment(s).
Interim cover gives you temporary insurance cover while your insurance application is still being underwritten or waiting to be approved. It removes any gap where you would otherwise not have been protected.
Administration fee is a fee charged to cover expenses related administrative costs during your insurance period.
Acquisition costs are the direct and indirect variable outlays at the time of selling or underwriting an insurance contract (both new and renewal).
Find out more
Can’t decide which product is right for you? Want to get more information? Select one of the options below.
Start a live chat
Live chat is available 24/7.
PT FWD Insurance Indonesia ("FWD Insurance") is registered and supervised by the Financial Services Authority.
FWD Insurance is a member or Alternative Dispute Resolution Agencies of Financial Services Sector.
FWD Insurance is a member or Alternative Dispute Resolution Agencies of Financial Services Sector.
