FWD is the insurance business arm of the private investment group, Pacific Century Group. It provides life insurance services in Hong Kong, Macau, Thailand and the Philippines. In Hong Kong, FWD offers general insurance, employee benefits and financial planning services. The company also has a brand presence in Indonesia. FWD’s overarching vision is to change the way people feel about insurance. To create this shift, FWD leverages technology to not only deliver innovative products, but also to focus on and enhance the customer experience.