FWD Group (“FWD”). Products offered include unit-linked insurance, individual & group term life insurance, individual & group personal accident insurance, and group medical insurance through technology driven-distributions such as agency, bancassurance, e-commerce and corporate. FWD spans Hong Kong & Macau, Thailand, Indonesia, the Philippines, Singapore, Vietnam, Japan and Malaysia, offering life and medical insurance, general insurance, employee benefits, Shariah and Family Takaful products across a number of its markets. FWD is focused on creating fresh customer experiences, with easy-to-understand products, supported by digital technologies. Through this customer-led approach, FWD aims to become a leading pan-Asian insurer that changes the way people feel about insurance. Established in Asia in 2013, FWD is the insurance business arm of investment group, Pacific Century Group. FWD Life is registered and supervised under Otoritas Jasa Keuangan (“OJK”). For more information, please visit FWD.CO.ID. Our Value We are changing the way people feel about insurance by living our core values : Committed Innovative Proactive Open Caring About FWD Life PT FWD Life Indonesia (“FWD Life”) is a joint-venture insurance company and a part of FWD Group (“FWD”). Products offered include unit-linked insurance, individual & group term life insurance, individual & group personal accident insurance, and group medical insurance through technology driven-distributions such as agency, bancassurance, e-commerce and corporate. FWD spans Hong Kong & Macau, Thailand, Indonesia, the Philippines, Singapore, Vietnam, Japan and Malaysia, offering life and medical insurance, general insurance, employee benefits, Shariah and Family Takaful products across a number of its markets. FWD is focused on creating fresh customer experiences, with easy-to-understand products, supported by digital technologies. Through this customer-led approach, FWD aims to become a leading pan-Asian insurer that changes the way people feel about insurance. Established in Asia in 2013, FWD is the insurance business arm of investment group, Pacific Century Group. FWD Life is registered and supervised under Otoritas Jasa Keuangan (“OJK”). For more information, please visit FWD.CO.ID.