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Protect Your Home with NTUC Mortgage Term and Enjoy 25% Off Enhanced Home Insurance
Updated Jun 20, 2018

Protect Your Home with NTUC Mortgage Term and Enjoy 25% Off Enhanced Home Insurance

To qualify for the promotion, you have to sign up for the product during the promotion period and issued by the deadline

How to get this great offer?
  • Purchase a Mortgage Term policy
  • After your Mortgage Term policy is issued, we will send you an email to purchase your Enhanced Home Insurance 3-year plan
  • Purchase your Enhanced Home Insurance 3-year plan via the unique link in the email and enjoy 25% off.
  • Upon renewal, continue to enjoy the 25% off your Enhanced Home Insurance!

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Terms & Conditions:
  1. Qualifying policies for this Promotion are Mortage Term policies including any applicable rider(s) and Enhanced Home Insurance 3-Year Plan (the “Qualifying Policies”).
  2. Applications for the Mortgage Term policies must be submitted and received by Income from 1 June 2018 and 31 December 2018 (inclusive of both dates) (the “Promotion Period”) and, if the applications are approved, the policies must be issued not later than 28 February 2019 for the customer to be eligible for the Promotion.
  3. A customer who successfully signs up for the Mortgage Term policies will be entitled to the corresponding 25% discount off (“Discount”) their Enhanced Home Insurance 3-Year Plan as set out in the overleaf. The Discount will only be applied for new applications of Enhanced Home Insurance policies. The Discount will be automatically applied upon renewals of the Qualifying Policy i.e. Enhanced Home Insurance policy.
  4. Income will send an email with the link to buy the discounted Enhanced Home Insurance to eligible customers within 2 weeks of the Mortgage Term policy’s issue date, provided that the Mortgage Term policy is in-force as of that date.
  5. Applications for Enhanced Home Insurance policies must be submitted via the link in the email within 2 months from the date of the email for the Discount to be valid. The Discount will only be applicable when the Mortgage Term policyholder is the same policyholder as the Enhanced Home Insurance policy.
  6. At least 1 month’s premium for the Mortgage Term policy must be paid upfront and received by Income by 28 February 2019 for a customer to be eligible for this Promotion.
  7. The Discount is not exchangeable for cash or any benefits-in-kind.
  8. This Promotion does not affect or change any term of the policy contract for the Qualifying Policies and is not valid in conjunction with other incentives and promotions offered by Income.
  9. Other terms and conditions apply.
Enjoy 0.5% Premium Discount for Manulife Signature Life
Updated Jun 20, 2018

Enjoy 0.5% Premium Discount for Manulife Signature Life

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline

Qualifying Criteria Premium Discount
Qualifying Product Premium Term
Signature Life Single Premium 0.5%

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Terms & Conditions:
  1. A customer is entitled to the Premium Discount (as set out in the table above) during the period of the campaign from 8 April 2018 to 13 July 2018 (both dates inclusive) (“Promotion”) if their application for purchase of a new Qualifying Product (as set out in the table above) satisfy the following conditions:
    1. Meet the Qualifying Criteria (as set out in the table above);
    2. The application must be submitted and recieved by Manulife (Singapore) Pte Ltd (“ManuLife”) between 8 April 2018 and 13 July 2018 before 6pm (both dates inclusive); and
    3. The policy must be issued by Manulife by 14 September 2018.
  2. This Promotion is applicable for both Singapore Dollars (SGD) and U.S. Dollars (USD) plans for the Qualifying Product.
  3. Premium Discount is applicable to all riders (where applicable) attached to the Qualifying Product. The additional premium due to sub-standard life rating is also eligible for the Premium Discount under this Promotion.
  4. Premium Discount is given on a per policy basis.
  5. The premium Discount is not transferrable or exchangeable for cash, credit or any other goods and services.
  6. Manulife reserves the right to replace the Premium Discount with items of similar or other value without prior notice.
  7. This Promotion cannot be used in conjunction with other promotions or campaigns carried out by Manulife, unless otherwise permitted by Manulife in its sole and absolute discretion
  8. Other Terms and Conditions apply.
10% perpetual premium discount for ManuProtect Term/ ManuSignature Term Plan (Extended)
Updated Jun 20, 2018

10% perpetual premium discount for ManuProtect Term/ ManuSignature Term Plan (Extended)

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Qualifying Product Premium Discount Qualifying Criteria
ManuProtect Term/ ManuSignature Term 10% perpetual discount on premium payable
  • Applicable to all sum insured
  • Applicable for all premium modes
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Terms & Conditions:
  1. To be a “Qualifying Customer”:
    i) your application for a new qualifying product as set out in Table above (“Qualifying Product”) must meet the qualifying criteria, be submitted to and received by Manulife between 1 August 2017 and 22 September 2018 before 6pm (both dates inclusive); and
    ii) your policy must be issued by Manulife on or before 21 November 2018.

  2. This promotion is applicable for all payment methods available for the Qualifying Product.
  3. Premium discount is applicable to all riders (where applicable) attached to the qualifying product.
  4. The additional premium due to sub-standard life rating is also eligible for the premium discount under this promotion
  5. The premium discount is not transferrable or exchangeable for cash, credit or any other goods and services.
  6. Manulife reserves the right to amend, add, withdraw or supplement the Qualifying Products in this Customer Campaign at its sole discretion at any time without notice or liability.
  7. Manulife reserves the right to replace the premium discount with items of similar or other value without prior notice
  8. This Promotion cannot be used in conjunction with other promotions or campaigns carried out by Manulife, unless otherwise permitted by Manulife in its sole and absolute discretion.
  9. Others terms and conditions apply
Receiving Exciting Gifts with Purchase of Selected AXA's Plans
Updated Jun 14, 2018

Receiving Exciting Gifts with Purchase of Selected AXA's Plans

To qualify for the promotion, you have to sign up for the product during the promotion period and issued by the deadline.


Group 1 Group 2

List of Eligible Products’ with One (1x) Annualised Premium Credit

S$1 of Annualised Premium Credit for every S$1 of your annualised premiums

List of Eligible Products’ with Triple (3x) Annual Premium Credit

S$3 of Annualised Premium Credit for every S$1 of your annual premiums (only annual premium mode is eligible)
  • AXA Retire Happy Plus
  • AXA Term Protector/ AXA Term Protector Prime
  • EarlyStage CriticalCare
  • Decreasing Term Assurance
  • AXA Band Aid
  • AXA Life MultiProtect (non-annual premium mode)
  • AXA CritiCare for Her/Him (non-annual premium mode)
  • All attaching riders to AXA Shield and Group 1 basic plans
  • AXA CritiCare for Her/Him
  • AXA Life MultiProtect
  • All attaching riders to Group 2 basic plans
Regular Premium plans only. Single Premium plans will not be eligible for this promotion.

Minimum Combined Annualised/ Annual Premium Credit for all eligible plan(s)

Tier 1- From S$20,000 Tier 2- From S$30,000
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  • Or

  • Apple Ipad Mini 4 Wifi 128GB
  • Samsung Galaxy S9+ 6.2” 64GB/ 6GB Ram
  • Or

  • Macbook Air 13” 1.8GHz Processor/ 128GB Storage
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Terms & Conditions:
  1. This promotion is applicable for all new applications submitted and received by AXA Insurance Pte Ltd (“AXA”) between 1 May 2018 and 31 July 2018 (both dates inclusive). The relevant AXA policy (or policies) must be incepted by 28 September 2018 to be eligible for this promotion.
  2. This promotion is applicable for all premium modes (monthly, quarterly, semi-annual or annual) of Group 1 of Eligible Plan(s) and only the annual premium mode of Group 2 of Eligible Plan(s).
  3. Multiple Eligible Plan(s) can be combined to achieve the Tier 1 or 2 as long as they fulfill all promotion criteria. Each eligible Policyholder who purchases multiple Eligible Plans (can be of different Life Assured) will only be entitled to a maximum of one (1) Gift. The Gift will be based on the highest Tier of the combined Annualised Premium Credit value.
  4. To be eligible for the Gift, Policyholders must not cancel their AXA plan(s) during the fourteen-day (14-day) free look period.
  5. Policyholders who qualify for this promotion and still have their AXA policies inforce after the free look period will receive a redemption letter from AXA by 15 November 2018.
  6. For redemption of the Gift, Policyholders will need to present the redemption letter as well as their NRIC/Passport for verification at the venue to be specified in the redemption letter.
  7. In the event that a Policyholder is unable to redeem the Gift personally, the Policyholder may complete the authorisation form to authorize another party to collect the Gift on their behalf. A copy of the Policyholder’s NRIC/ Passport together with the authorised party’s NRIC/Passport must be presented at point of collection.
  8. The Gift must be collected no later than 31 December 2018.
  9. he Gift is not exchangeable for cash or any other promotional items or gifts.
  10. AXA reserves the right to replace or substitute the Gift with another item of similar value without giving Policyholders prior notice.
  11. All decisions made by AXA in connection with this promotion (including the interpretation of these Terms and Conditions) shall be final and binding on all participants of the promotion. Appeals will not be entertained.
  12. Other terms and conditions apply.
Get up to $200 CapitaVoucher when you protect yourself with Income
Updated Jun 05, 2018

Get up to $200 CapitaVoucher when you protect yourself with Income

To qualify for the promotion, you have to sign up for the product during the promotion period and issued by the deadline.

For selected regular premium term life plans

(Cancer Protect, iTerm, TermLife Solitaire, Silver Protect, Silver Secure, Lady 360, Family Protect, Mortgage Term)

Minimum monthly premium

CapitaVoucher amount^

$125

$50

$200

$100

$350

$200

^ To qualify for the Vouchers, you have to sign up for any eligible Regular Premium Life Policy during the promotion period and meet the corresponding minimum monthly premium as set out above. Each successful customer would only be entitled to receive the Vouchers once for each Qualifying Policy.

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Terms & Conditions:
  1. Qualifying policies for this Promotion are Regular Premium Term Life Plans including any applicable rider(s) (the “Qualifying Policies”).
  2. Applications for the Qualifying Policies must be submitted and received by Income from 21 May 2018 to 2 July 2018 (inclusive of both dates) (the “Promotion Period”) and, if the applications are approved, the policies must be issued not later than 31 August 2018 for the customer to be eligible for the Promotion. The customer may not use the same policies to qualify for more than one promotion.
  3. A customer who successfully signs up for a Qualifying Policy will be entitled to the corresponding CapitaVouchers (“Vouchers”) as set out in the table above.
  4. Adding together premium amounts from multiple policies, or dividing the premium amount intended for a single policy into premium amounts for multiple policies under the same plan type, to qualify for the Vouchers is not allowed.
  5. Customers are entitled to receive the Vouchers only once, upon the issuance of the relevant policies. Subsequent increase in sum assured or premiums, top-ups or applications for riders, even if made during the Promotion Period, for such policies will not entitle the customers to any additional Vouchers. For avoidance of doubt, customers with any Regular Premium Term Life Plans including any rider(s) issued, whether before or during the Promotion Period and whether with any Vouchers entitlement, who subsequently increase their sum assured or premium, top-ups or apply for riders during the Promotion Period will not be entitled to any Vouchers under this Promotion.
  6. At least 1 month’s premium for the Qualifying Policies must be paid upfront and received by Income during the Promotion Period for a customer to be eligible for this Promotion.
  7. Income reserves the right to demand from the customer the full value of the Vouchers for Qualifying Policies which are issued but terminated or lapsed within 6 months from the policy issue date by the customer, and the customer shall immediately pay Income such amount demanded. The full value refers to the stated worth price or the face value of the Vouchers.
  8. The Vouchers are not exchangeable for cash or any benefits-in-kind.
  9. Income reserves the right to replace the Vouchers with items of similar value (“Replacement Item”) or change the terms and conditions for this Promotion at any time without prior notice to the customer.
  10. Income’s decision on all matters relating to this Promotion (including the issuance of the Vouchers) shall be final, conclusive and binding. No appeal will be entertained.
  11. Other terms & conditions apply.
28% First Year Annual Premium Discount for TM Term Assure (Extended)
Updated May 25, 2018

28% First Year Annual Premium Discount for TM Term Assure (Extended)

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plans

Min. Annual Premium

Premium Discount

Mode of payment

TM Term Assure

$500 (including any attached riders)

28% off first year premium

Annual only

Apply now Proceed arrow icon

Terms & Conditions:
  1. The Promotion period is from 1 July 2017 to 29 June 2018 (both dates inclusive) (the “Promotion Period”). The policy must be issued by 1 October 2018.
  2. All customers who purchase a new TM Term Assure policy, including its related riders, with a total premium annual premium of at least S$500 (”Eligible Plans“) will be entitled to 28% off the first year total gross annual premium (”Promotion“).
  3. The total annual premium amount will be considered at the issuance date of the TM Term Assure policy. Any subsequent increase in the sum assured and/or addition of riders will not be taken into account.
  4. This Promotion is not valid in conjunction with any or on-going promotions, discounts, offers, vouchers, rebates or any other privileges, unless otherwise permitted in writing by TMLS in its sole discretion.
  5. Customers who qualify for this Promotion will recieve a refund of 28% off the total gross annual premium by way of a cheque made payable to the policyowner.
  6. New policies that are cancelled or terminated during the 14-days free look period will not be eligible to this Promotion.
  7. TMLS will not entertain any requests to reduce the first year annual premium amount or change the premium payment mode during the first year of the policy and/or its related rider(s) from customers who have been issued a cheque by TMLS under this Promotion.
  8. Other terms and conditions apply.
28% First Year Annual Premium Discount for TM Term VIP
Updated May 25, 2018

28% First Year Annual Premium Discount for TM Term VIP

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plans

Premium Discount

Mode of payment

TM Term VIP

28% off first year premium

Annual only


Terms & Conditions:
  1. The Promotion period is from 5 April 2018 to 29 June 2018 (both dates inclusive) (the “Promotion Period”). The policy must be issued by 1 October 2018.
  2. All customers who purchase a new TM Term VIP policy, including its related riders, will be entitled to 28% off the first year annual premiums. Premium payment mode must be annual.
  3. Any subsequent increase(s) to the sum assured and/or addition of riders will not be entitled to the Promotion.
  4. No alteration is allowed to the policy purchased within 12 months from the policy inception date.
  5. This Promotion is not valid in conjunction with any or on-going promotions, discounts, offers, vouchers, rebates or any other privileges, unless otherwise permitted in writing by TMLS in its sole discretion.
  6. Other terms and conditions apply.
Enjoy $100 premium discount on first year's premium with purchase of Aviva MyCare or MyCare Plus (Extended)
Updated Apr 09, 2018

Enjoy $100 premium discount on first year's premium with purchase of Aviva MyCare or MyCare Plus (Extended)

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plan

Min. Annual Premium

Aviva MyCare or MyCare Plus

$500

Apply Now Proceed arrow icon

Terms & Conditions:
  1. This promotion is valid until 30 June 2018 (date inclusive). Applications must be signed by 30 June 2018 (date inclusive) and recieved by Aviva by 13 July 2018 (date inclusive).
  2. The S$100 premium discount voucher is for the purchase of Aviva’s MyCare or MyCare Plus Policy only.
  3. A minimum premium of S$500 per annum is required for the policy to be eligible for the use of the discount voucher.
  4. The discount voucher is applicable for a one time premium discount only.
  5. One MyCare or MyCare Plus Application is entitled to only one discount voucher. Discount voucher is transferrable but cannot be combined with others.
  6. This discount voucher is not exchangeable for cash, credit or any other item in part or in whole.
  7. Other terms and conditions apply.
Enjoy a 5% perpetual premium discount for Aviva MyProtector Term Plan (Extended)
Updated Apr 09, 2018

Enjoy a 5% perpetual premium discount for Aviva MyProtector Term Plan (Extended)

Pay Lesser to Enjoy the Same Protection with Aviva MyProtector- Term Plan

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plans

Min. Sum Assured

Premium Discount

MyProtector- Term Plan

$1,000,000

5% off lifetime

Apply now Proceed arrow icon

Terms & Conditions:
  1. The Promotion period is from 1 July 2017 to 30 June 2018 (both dates inclusive) (the “Promotion Period”). Applications must be signed between the promotion period and received by Aviva by 13 July 2018 (date inclusive).
  2. All customers who purchase a new Aviva MyProtector Term Plan policy, including its related riders, with at least $1 million coverage (in the contract currency) (“Eligible Plans”) will be entitled to 5% perpetual discount for the premium.
  3. Other terms and conditions apply.
Enjoy 20% discount for now and future premiums with purchase of Aviva MyFamilyCover (Extended)
Updated Apr 09, 2018

Enjoy 20% discount for now and future premiums with purchase of Aviva MyFamilyCover (Extended)

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plans

Min. Annual Premium

Premium Discount

MyFamilyCover

$225

20% off lifetime

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Terms & Conditions:
  1. The Promotion period is from 1 April 2018 to 30 June 2018 (both dates inclusive) (the “Promotion Period”). Applications must be signed between the promotion period and received by Aviva by 13 July 2018 (date inclusive).
  2. The minimum premium of S$225 is on annual premium equivalent basis and may be paid annually, half-yearly, quarterly or monthly.
  3. Discount is given on a per Policy basis, subject to underwriting.
  4. Discount is applicable to the end of premium payment term and will apply on new business as well as all subsequent renewal premiums.
  5. Other terms & conditions apply.
Enjoy 35% off premiums for Aviva IdealIncome (Extended)
Updated Apr 09, 2018

Enjoy 35% off premiums for Aviva IdealIncome (Extended)

To qualify for the premium discount, you have to sign up for the product during the promotion period and issued by the deadline.


Eligible plan

Min. Monthly Benefit

Premium Discount

IdealIncome

$3,000

35% off lifetime

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Terms & Conditions:
  1. The Promotion period is from 1 July 2017 to 30 June 2018 (both dates inclusive) (the “Promotion Period”). The policy must be issued by 13 July 2018 (date inclusive).
  2. Minimum monthly payout of $3,000 is required to be eligible for the discount.
  3. Other terms & conditions apply.
Get irresistible gifts from 5-stars hotel to fine dining treats with purchase of selected Aviva's plans
Updated Jan 19, 2018

Get irresistible gifts from 5-stars hotel to fine dining treats with purchase of selected Aviva's plans

To qualify for the promotion, you have to sign up for the product during the promotion period and issued by the deadline.

Qualifying Plans

Minimum Premium Criteria Per Policy
(based on annualised premiums)

Value of Gift
(from our selected partners)

  • MyAccidendGuard

S$300 to S$599

S$20

S$600 and above

S$50

  • My MultiPay Critical Illness Plan III
  • MyProtector - Term Plan with MultiPay Critical Illness Cover III
  • MyWholeLifePlan II with MultiPay Critical Illness Cover II

S$1,800 to S$3,599

S$100

S$3,600 - S$5,399

S$200

S$5,400 and S$7,199

S$300

S$7,200 and above

6% of premiums
(rounded up to S$10)

Apply now Proceed arrow icon

Terms & Conditions:
  1. Only Qualifying Customers are eligible for the Promotion. To be a “Qualifying Customer”:
    1. you must apply for one of the Qualifying Products as a policyholder (including any attaching riders), and the application must meet the Minimum Premiums criteria (based on annualized premiums) net of any premium discounts and includes GST amounts;
    2. your application for the Qualifying Product policy must be signed between 16 January 2018 and 30 June 2018 (both dates inclusive), and the policy must be issued by 30 September 2018 (date inclusive); and
    3. your application for the Qualifying Product must pass the 14 days free look period.
  2. Aviva reserves the right to amend, add, withdraw or supplement the Qualifying Product in the Promotion at its sole discretion at any time without notice or liability.
  3. If you apply for more than one Qualifying Product, you will receive a gift for each policy. Premiums for multiple Qualifying Products cannot be combined to qualify for this promotion or for a higher tier.
  4. The Gift is not transferable and is not exchangeable for cash, credit or any other item in part or in whole and is not replaceable, if expired, lost or stolen. Aviva reserves the right to replace the Gift with items of similar or other value at its absolute discretion, at any time without prior notice.
  5. Aviva will only issue the Gift to the policyholder of the Qualifying Product's policy. The Gift will be sent to the designated mobile number or mailed to the designated mailing address (if designated mobile number is not available) as stated in proposal form within three (3) months after the issuance of the policy. Aviva is not obliged to replace any Gift expired, lost, or not received. Proof of postage or SMS of the Gift will be deemed as the proof of delivery and receipt.
  6. The Gift is valid for 6 calendar months from its date of issuance.
  7. Aviva reserves the right to deduct an administrative fee of S$10.00 from the Gift value for every reissuance of Gift approved by Aviva.
  8. The Promotion is subject to availability of the Gifts, and Aviva may vary these terms and conditions (including the value of the Gift) or withdraw or discontinue the Promotion at any time without notice or liability.
  9. UNIQGIFT Terms and Conditions apply. For details, visit www.uniqgift.com/terms-and-conditions
  10. Other terms and conditions apply.
Receive Shopping Vouchers on New Policy Sign-Up
Updated Jan 03, 2018

Receive Shopping Vouchers on New Policy Sign-Up

To qualify for the promotion, you have to sign up for the product during the promotion period and issued by the deadline.

Category

Plan Types

Minimum Annual Premium/Single Premium

NTUC FairPrice Gift Vouchers

1

TM Term Assure, TM EarlyCare, TM Protect 1, TM Protect Cancer, TM Protect PA, TM PA

S$500-S$1,000

S$50

S$1,001-S$3,599 S$100

2

Regular Premium plans (excluding TM Nest Egg (CashBack 8/10) but including Category 1 if higher annual premium tier applies)

S$3,600 - S$6,000

S$100

S$6,001 - S$10,000

S$200

S$10,001 and above

S$300

3

TM Nest Egg (CashBack 8/10)2

S$20,000 and above

S$50

4

Single Premium

S$50,000 - S$100,000

S$50

S$100,001 and above

S$100

Category 1 & 2 - Exclude regular premium plans with premium payment term less than 5 years.
Category 3- Only for minimum annual premium of S$20,000. Only available to TMLS policyholders excluding purchase by immediate family members.
Category 4- Exclude policies with policy term 5 years or less.
Note- A customer will be eligible to only one gift voucher with a single policy purchase. With the exception of TM Nest Egg (CashBack 8/10) and single premium plans, if the plan purchased falls into more than one of the categories above, the gift voucher of higher value will be given.


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Terms & Conditions:
  1. Eligible Customer – This Voucher Promotion is open to any Tokio Marine Life Insurance Singapore Ltd. ("TMLS") policyholder with maturing policy/ies ("Policy Owner") on and after 1 January 2018. Only maturing policy/ies registered in Singapore are eligible for the Voucher Promotion.
  2. Promotion Period – All new applications for the Eligible Products must be submitted and incepted within the period of 60 days before and 60 days after the maturity date of the maturing TMLS policy within 1 January to 31 December 2018.
  3. Eligible Product – Eligible Products are:
    1. All regular premium plans on annual premium payment mode, excluding premium payment term of less than 5 years (unless otherwise specified).
    2. TM Nest Egg (CashBack 8/10) on annual premium payment mode, limited for purchase to Policy Owner only. Immediate family member(s) of the Policy Owner is/are not eligible for the Voucher Promotion if TM Nest Egg (CashBack 8/10) is purchased.
    3. All single premium plans with cash payments, excluding policies with a policy term of 5 years or less.
    All new policies issued must be registered in Singapore to qualify for the Voucher Promotion.
  4. Eligible Customers will be eligible to receive only one (1) Gift for each new TMLS policy purchased. There is no limit to the number of Gifts an Eligible Customer can enjoy so long as each new TMLS policy purchased meets the conditions above and the minimum annual or single premium requirement.
  5. The Gift is not exchangeable for cash or for any other items.
  6. This Voucher Promotion cannot be used in conjunction with any or on-going promotions, discounts, offers, vouchers, rebates or any other privileges unless otherwise permitted in writing by TMLS in its sole and absolute discretion.
  7. The Terms under this Voucher Promotion shall be governed by the laws of Singapore and each participant agrees to submit any claim, dispute or controversy to the exclusive jurisdiction of the courts of the Republic of Singapore.
Full terms and conditions are available on www.tokiomarine.com/maturity-rewards. In the event of any discrepancy or inconsistency between the terms found on this marketing material and the full terms and conditions, the full terms and conditions shall prevail.
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