Every year during the Chinese New Year, red envelopes (Ang Pao), well-wishes, and family reunions are symbols of new beginnings for many households. Ang Pao represents the passing on of goodwill across generations. Today, many families view the “Ang Pao money” as the “starting point for growth” that can be combined with long-term financial goals.
Investment planning for wealth creation are increasingly discussed topics. Many people are starting to ask how the money they receive or accumulate can grow. This time of year, with the Chinese New Year celebrations, is a great opportunity to set financial goals, plan for the future, and look for tools that can help money grow effectively while ensuring long-term financial stability.
This trend aligns with data from the Thai Life Assurance Association , which indicates that during the first half of 2026, the total premium income from unit-linked life insurance products reached THB 19,412.36 million, a 7.54% growth, accounting for 5.94% of the total life insurance market. This highlights consumer interest in investment opportunities that provide appropriate returns while also offering life protection in one package.
As financial planning today places greater emphasis on investments that can grow wealth over the long term, life insurance products that come with investment options are becoming more popular. Particularly, products that allow policyholders to manage their investment portfolios flexibly. FWD Insurance has introduced the “FWD Freedom Linked Plus 15/5,” a product designed to help customers manage their savings and investments freely while enabling long-term financial growth alongside life protection.
Mr. David Korunić, Chief Executive Officer for Thailand and Cambodia at FWD Life Insurance Plc. (FWD Insurance), said: “Chinese New Year is a time of joy for Chinese-Thai families coming together, and it’s a great opportunity to start financial planning in the New Year. Today’s consumers are looking for tools that allow them to manage their money flexibly and align with their changing life goals. FWD Freedom Linked Plus 15/5 is a perfect option to offer during this period, supporting customers to manage investments flexibly while maintaining adequate life coverage all in one plan.”
The “FWD Freedom Linked Plus 15/5” is an investment-linked life insurance product designed for customers to plan their finances and investments flexibly. It requires just five years of premium payments, offering life coverage up to 50 times the basic premium for 15 years. Policyholders can renew the policy every 15 years up to age 99, enabling simultaneous planning for income protection and long-term wealth growth within one plan.
The key feature of this policy is the flexibility to manage investment portfolios as desired. Customers can choose from high-quality funds managed by leading asset management companies both domestically and internationally, top up their investment to meet their goals, and switch funds without any fees. Additionally, there is flexibility to pause premium payments or withdraw partial funds when needed, ensuring financial management aligns with different life stages.
FWD has also partnered with Mercer (Thailand) Ltd., a global investment consulting expert, to design and monitor an investment portfolio model that is suitable for customers’ risk levels. The model diversifies investments across various asset classes both locally and internationally, with continuous reviews to improve long-term returns.
For customers with annual premiums of THB 2 million or more, they are also eligible for “FWD Utmost,” a premium healthcare and lifestyle service covering health management, travel experiences, lifestyle activities, and personal assistant services. This service ensures that financial planning and life enjoyment go hand in hand.
During the Chinese New Year, which continues to be a symbol of new beginnings, transforming Ang Pao money into a start for long-term financial planning is another way to build wealth that can truly grow throughout life stages.
For more information, visit https://www.fwd.co.th/th/investment-linked-insurance/fwd-freedom-linked-plus/ or consult with FWD agents nationwide or contact the FWD Customer Service Center at 1351.