The new year is an ideal time to reassess life goals and ensure financial stability, preparing for future opportunities and challenges. As consumers seek transparent, easy-to-understand financial tools that align with their real-life needs, data from the Ministry of Finance indicates Thailand’s economy is expected to grow by 2%1 in 2026, making it essential to prepare by carefully planning your finances to achieve long-term wealth. FWD Insurance proudly introduces a strategic approach to financial planning, using life insurance as a tool to help you confidently reach your goals.
FWD Insurance encourages everyone to begin their financial planning for the new year, turning intentions into reality with “5 How-To’s for Strategic Financial Planning”, offering practical steps to implement and use life insurance as a key component of your financial plan. This approach provides flexibility and ensures a secure and confident future, tailored to individual lifestyles.
1) Start with ‘Designing Your Life’ Before Designing Numbers
Good financial planning begins with designing the life you aspire to have. Ask yourself, “What direction do I want my life to take?” Whether it’s building a secure future for your family, advancing in your career, or enjoying quality time for yourself, a clear vision will guide you to the right financial tools and path.
In your life plan, life insurance can serve as both a foundation and a backup plan, increasing your confidence in your chosen path. A whole life insurance plan provides the structural foundation for long-term stability, with customizable riders that suit your specific lifestyle and needs.
FWD Precious Protection combines life coverage and medical benefits (both inpatient and outpatient) in one package, giving you a comprehensive plan for health and long-term security, allowing you to live confidently and securely.
2) Treat Health as an ‘Asset’ to Manage Like Finances
In recent years, global healthcare costs have risen continuously. According to the Aon Global Medical Trend Rates 2026, healthcare costs are expected to rise by 9.8% worldwide2 in 2026, with the Asia-Pacific region, including Thailand, facing increases of up to 11.3%, far outpacing general inflation.
This shows that healthcare costs are steadily rising, and unexpected illness can impact savings or wealth-building plans. Therefore, managing health proactively and selecting life insurance that provides suitable healthcare coverage for your life stage and lifestyle is crucial to maintain financial security and ensure your wealth plan continues to grow3.
FWD Precious Care offers comprehensive coverage with high limits for both inpatient and outpatient treatments, ensuring peace of mind with a range of benefits, including Critical Illness (CI) coverage.
Additionally, Easy E-Health provides unlimited inpatient treatment, while CI ALL-in-One offers life coverage with lump-sum benefits for serious illnesses and daily compensation, giving you confidence when facing major health challenges.
3) Build Wealth with the Right Balance: “Let Your Money Grow with Protection”
Wealth building can be achieved in several ways, including saving, investing, and managing risks. Investment-linked life insurance is one option that provides life coverage while offering opportunities for growth through investments. It allows you to invest in mutual funds according to your preferences while also receiving life protection, helping you reach your financial goals with stability, even in the face of unforeseen events.
For those seeking the potential for returns along with life coverage, FWD Ultra Linked 99/99 or FWD Future Linked 99/9 are good options. These plans let you invest in leading mutual funds systematically, while also providing life coverage, making your financial plan flexible, growing, and more secure.
4) Leverage Tax Benefits with Purpose and Save for the Future with Discipline
Effective tax management and long-term saving are two essential tools that create a stable financial foundation. Choosing life insurance that provides tax benefits helps create a well-organized financial management plan.
At the same time, saving for retirement, whether through savings plans or pension plans, ensures that you have the funds to cover future expenses and maintain your quality of life. You can choose the type of coverage or saving plan that fits your life stage, income, and spending needs.
FWD Life Saving 30/15 is ideal for those looking to build disciplined savings with long-term returns. Alternatively, Smart E-Retire 85/60 or FWD Sure Pension 85/5 or 85/60 are designed for those planning for retirement and seeking guaranteed income in the future. These tools support long-term financial stability.
5) Use Technology to Manage Finances for an Easier Life
Digital platforms are essential tools that make life and financial planning easier and more organized. All your data is in one place and accessible in real-time, no matter where you are. When it’s time to transact, everything becomes more convenient, allowing you to track and manage your finances and coverage accurately.
Omne by FWD serves as a central hub, combining policy information, document management, and services in one place, accessible anytime, anywhere. It helps you manage your life and finances more smoothly and flexibly.
No matter when you start, advance planning is an effective way to organize your finances, investments, health, and quality of life according to your personal goals. These 5 tools are available to help those looking to plan their financial future, find what best suits their goals, and live confidently according to their aspirations.
1 https://www.mof.go.th/wp-content/uploads/2025/10/ข่าวแถลงกระทรวงการคลังฉบับที่-144-2568.pdf
2 Aon Forecasts 9.8% Global Increase in Medical Plan Costs for 2026 https://aon.mediaroom.com/2025-10-07-Aon-Forecasts-9-8-percent-Average-Increase-in-Global-Medical-Plan-Costs-for-2026
3 Aon: 2026 Medical Trend Rates – Asia Pacific Insights
https://www.aon.com/apac/insights/blog/default/2026-medical-trend-rates-insights-asia-pacific
