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We know that life can be challenging and just occasionally, everyone needs a little help. In response, we offer policy loans. You can use the loan for anything you want – and as a valued FWD customer, we offer special interest rates.
How it works: If your policy is still in-force, with a cash value and no changes to your original agreement, you can borrow your policy's cash value as a loan.
Find out your loan limit and current interest rate through our online service. Then you can easily submit your loan request.
Using Omne by FWD you can enjoy:
Faster loans – no document work. Submit your loan request in a matter of minutes.
Live updates – live progress update on your loan request.
Our Automatic Premium Loan automatically covers any unpaid premiums. The advantage is that you’ll continue to be covered by your insurance plan.
How it works: Should any premiums not be paid, we’ll first offer a grace period, giving you a little more time to pay. After that, if your policy has sufficient cash value, we’ll trigger an Automatic Premium Loan. We’ll let you know about this by sending a text.
Essentially, this means we’ll use the cash value of your policy as a loan to pay the outstanding premiums.
You’ll then need to repay the loan at our current interest rate, according to the terms of your policy. The interest will be back-dated and calculated from the date the premium was due.
If your policy’s cash value doesn’t cover the cost of the outstanding premium, your plan will be surrendered and you’ll no longer be covered by your policy.
You can pay your outstanding loan balance using the PAY-IN SLIP that will be sent with your yearly policy statement notice on the policy’s anniversary date.
Alternatively, you can see our payment options below, giving you the flexibility to pay your loan your way.
Head office or our branches
Opening hours
Our customer service payment counters are open Mon-Fri 8:30am–5:00pm.
On Saturday our opening hours vary:
Payment methods
Cash/Credit cards
Available at:
We accept:
(Except for Automatic Premium Loan payment)
QR Code
Available at:
We can accept up to THB 100,000 in cash (per invoice) for all policies bought from SCB or through a former agency channel channel. We can accept up to THB 500,000 in cash (per invoice) for policies bought through FWD agents or any other FWD channels.
If the amount exceeds these, please pay via bank.
Via our agents
Pay through your agent or via one of our agent offices nationwide.
Note: Please collect a temporary receipt from your agent so that you can file it away as proof of payment. An official receipt will be mailed to you in 10 days once the payment is successfully made.
Payment methods
Credit cards
We accept
(Except for Automatic Premium Loan payment)
Through your bank
For policies bought from SCB or through a former agency channel
Reference code 1
Policy no.
Reference code 2
Specify 33
.webp){kind=logo}
TMBThanachart Bank
Com Code 2950
Service Code 0143 (ATM&Electronic)
KASIKORNBANK
Com Code 50026
Siam Commercial Bank
Com Code 0216
(Wireless Road)
Bangkok Bank
Com Code 14230
Service Code FWDLIFE
Krung Thai Bank
Com Code 6880
For policies bought through an FWD sales agent or any other FWD channel
Reference code 1
Policy no.
Reference code 2
N/A (leave blank)
.webp){kind=logo}
TMBThanachart Bank
Com Code 2950
Service Code 0143 (ATM&Electronic)
KASIKORNBANK
Com Code 50026
Siam Commercial Bank
Com code 0216
(Wireless Road)
Bangkok Bank
Com Code 14230
Service Code FWDLIFE
Bank of Ayudhaya
Com Code 47769
Krung Thai Bank
Com Code 6880
Government Savings Bank
Com Code FWDL
CIMB THAI
Com Code FWD01
Service Code FWD01
Through ATM
ATM machines
You can also pay through ATM machines by choosing the company’s name. If you do this, please also specify the details below.
Reference code 1
Specify your policy number (Use 6 for T, 8 for U, 1 for A, 2 for B, 3 for C, 4 for D, and 7 for R).
For example, you should type 200123456 if your policy number is B00123456.
For policies bought from SCB or through a former agency channel
Reference code 2
Specify 33
KASIKORNBANK
Com Code 50026
Siam Commercial Bank
Com Code 0216
(Wireless Road)
Bangkok Bank
Com Code 14230
Service Code FWDLIFE
Krung Thai Bank
Com Code 6880
For policies bought through an FWD sales agent or any other FWD channel
Reference code 2
N/A (leave blank)
.webp){kind=logo}
TMBThanachart Bank
Com Code 2950
Service Code 0143 (ATM&Electronic)
KASIKORNBANK
Com Code 50026
Siam Commercial Bank
Com code 0216
(Wireless Road)
Bangkok Bank
Com Code 14230
Service Code FWDLIFE
Bank of Ayudhaya
Com Code 47769
Krung Thai Bank
Com Code 6880
Through internet banking
Pay via internet banking by choosing the company’s name. Please specify the details below.
Reference code 1
Specify your policy number (Use 6 for T, 8 for U, 1 for A, 2 for B, 3 for C, 4 for D, and 7 for R).
For example, you should type 200123456 if your policy number is B00123456.
For policies bought from SCB or through a former agency channel
Reference code 2
Specify 33
For policies bought through an FWD sales agent or any other FWD channel
Reference code 2
N/A (leave blank)
.webp){kind=logo}
TMBThanachart Bank
KASIKORNBANK
Bangkok Bank
Bank of Ayudhaya
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