FWD hotline, claims and licence
FWD Life Insurance Corporation is a life insurance company.
Licensed. Certificate of Authority no. 2025/24-R.IC life insurer list dated Aug 31, 2026. Its 2025 premium income of ₱52.5 billion ranks 3rd of the 33 companies in the IC's premium table. That is 13.0% of the ₱403.2 billion all life insurers collected in 2025 (₱52.5 billion ÷ ₱403.2 billion, IC premium table). 12,925 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 3rd most of the 34 companies licensed to sell life insurance.
- Customer Connect+632-8888-8388
FWD hotline and claims
| customerconnect.ph@fwd.com |
From FWD's contact page.
- Call Customer Connect at +632 8888 8388 to check that your policy covers the claim.
- Prepare the documents listed for your claim type.
- Submit the claim form and documents within 90 days of the diagnosis or loss.
- FWD aims to decide within 30 working days and pays within five working days of approval.
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If FWD becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to FWD first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
FWD products and plans
- Life protection
- Health protection
- Savings
- Investments
- Online
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 12,925 |
|---|---|
| Agents with a life licence | 10,727 |
| Agents with a variable life (vul) licence | 10,335 |
| General agents | 26 |
| Premium income, 2025 (IC) | ₱52.5 billion, rank 3 of 33 |
Company details
- Licensed company
- FWD Life Insurance Corporation
- Certificate of Authority
- 2025/24-R
- Head office
- 19/F W Fifth Avenue Building, 5th Ave. cor. 32nd St., Bonifacio Global City, Taguig City
- Official website
- fwd.com.ph
- Licensed for: life insurance. Variable life (VUL) may be sold only by an agent with a variable contract licence; 10,335 of FWD's agents hold that licence.Insurance Code sec. 316
- Not licensed for: car, property and other non-life cover. Those come from the non-life list.
How tax applies to the policy
- Death benefit: proceeds paid to heirs or beneficiaries when the insured dies are not taxable income. Interest the insurer pays on proceeds it keeps for you is taxable. See income tax calculator.NIRC Sec. 32(B)(1), in force since Jan 1, 1998
- Estate tax: proceeds on your own life count in your gross estate when they are paid to your estate, or to a beneficiary you can still change. They stay out when the policy names the beneficiary as irrevocable. See estate and estate tax.NIRC Sec. 85(E), in force since Jan 1, 1998
- Premiums returned to you: the premiums you paid, returned during the term, at maturity or when you surrender a life, endowment or annuity policy, are not taxable income. See income tax calculator.NIRC Sec. 32(B)(2), in force since Jan 1, 1998
- Worked example: a ₱1,000,000 death benefit paid to a beneficiary the insured could still change. Income tax on it: ₱0 (Sec. 32(B)(1)). It adds ₱1,000,000 to the gross estate (Sec. 85(E)); once the estate's deductions are used up, that is ₱60,000 more estate tax at 6% (Sec. 84). Paid to an irrevocable beneficiary, it adds ₱0.
Before you sign or pay
- Match the company and number. Your policy should name FWD Life Insurance Corporation and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show FWD Life Insurance and a licence end date that has not passed.
- Pay FWD Life Insurance, not a person. Keep the official receipts issued in FWD Life Insurance's name.
Questions
Is FWD legit?
Yes. FWD Life Insurance Corporation is licensed by the Insurance Commission (licence 2025/24-R). A genuine policy names FWD Life Insurance Corporation and that number.
What is the FWD hotline?
+632-8888-8388 (Customer Connect), as printed on fwd.com.ph.
How do I file a claim with FWD?
Start from the claims page on fwd.com.ph, which lists the forms and documents for each claim type. If FWD refuses a claim of ₱5,000,000 or less, you can file it with the Insurance Commission instead of a court (Insurance Code sec. 439).
Does FWD sell VUL?
Yes. 10,335 of its agents hold the variable contract licence needed to sell VUL (Insurance Code sec. 316), on the IC agent lists of Sep 25, 2026.