Get up to 3,200,000 STAR$^® when you sign up for Invest Flex or Invest Flex Vantage!

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:
   1.1. With the purchase of a Invest Flex or Invest Flex Vantage Plan (collectively the “Qualifying Policies”, and each a “Qualifying Policy”), including any applicable riders, customers shall be eligible to receive up to 3,200,000 STAR$® (worth up to $3,200.00 eCapitaVouchers) (“Promotional Gift”) in the amounts set out in accordance with the table above.
   1.2. Adding up minimum monthly premium amounts from multiple policies to meet the minimum monthly premium amount as set out in the table above or dividing the premium amount of a single Qualifying Policy to claim additional STAR$® on the same Qualifying Policy is not allowed.
2. For a customer to be eligible to enjoy the Promotion:
   2.1. The application for the relevant Qualifying Policy(ies), including the rider(s), must be submitted to Income Insurance from 1 October 2024 to 31 December 2024 (both dates inclusive) (the “Promotion Period”);
   2.2. If such application(s) is approved by Income Insurance, the relevant Qualifying Policy(ies) must be issued by Income Insurance no later than 28 February 2025; and
   2.3. At least one (1) month’s premium for the relevant Qualifying Policy must be paid by the customer and received by Income Insurance, during the Promotion Period.
3. A customer may not enjoy this Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.
4. A customer who is eligible to enjoy the Promotion is entitled to the Promotional Gift only once under this Promotion in respect of each Qualifying Policy. For avoidance of doubt, a customer with any Invest Flex or Invest Flex Vantage Plan, whether issued before or during the Promotion Period, and whether with any eligibility to enjoy the Promotion, who subsequently increases their premium amount during the Promotion Period will not be eligible to enjoy the Promotion as a result of such increase in premium amount.
5. Income Insurance reserves the right to demand from a customer the refund of the full value of the Promotional Gift received by a customer under this Promotion where Qualifying Policy(ies) are issued but cancelled/terminated by Income Insurance or the customer, or lapsed by the customer within 6 months from the policy issue date, and the customer shall immediately pay Income Insurance such amount demanded. The full value refers to the stated worth price or the face value of the Promotional Gift.
6. A redemption email will be sent to the customer’s email address used during purchase for the Promotional Gift, to successful applicants of the Qualifying Policies 1 month after the policy issuance date, provided that the Qualifying Policy is still in-force as of that date. Eligible customers may refer to the email for instructions on the redemption of the Promotional Gift. No hardcopy letter will be sent.
7. The Promotional Gift is not exchangeable for vouchers or any benefits-in-kind.
8. If a customer applies for more than one Qualifying Product, the customer will receive the Promotional Gift based on the policy or policies issued to the corresponding Qualifying Product.
9. Income Insurance reserves the right to replace the Promotional Gift with item(s) of similar value (“Replacement Item(s)”).
10. The Promotion does not affect or change any term, condition or exclusion of the policy contract of the Qualifying Policies issued. The precise terms, conditions and exclusions of the Qualifying Policies are specified in their respective policy contracts.
11. Under no circumstance shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) directly or indirectly in connection with, related to or resulting from the Promotion and/or use of the Promotional Gift and Replacement Item(s).
12. In the event where Replacement Item(s) are issued:
    12.1. Usage of the Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Replacement Item(s);
    12.2. Income Insurance is not the merchant or manufacturer of the Replacement Item(s) and provides no warranty in respect of the same. Income Insurance makes no warranties and shall not be responsible for all warranties, expressed or implied, including implied warranties of merchantability, fitness for a particular purpose, and infringement of intellectual property rights in respect of the Replacement Item(s);
    12.3. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Replacement Item(s);
    12.4. Neither is this Promotion intended or deemed to be a connection with or use of the brand name of the merchant or manufacturer of the Replacement Item(s).
13. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.
14. Income Insurance’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeals will be entertained.

The Promotion is not to be construed as an offer, recommendation, advice or solicitation for the subscription, purchase or sale of any investment-linked plan (“ILP”) sub-fund. The Promotion does not constitute financial advice and does not have regard to the specific investment objectives, financial situation and particular needs of any persons.

Investments are subject to investment risks including the possible loss of the principal amount invested. Before committing to the minimum investment period of any policy/plan/product, a potential investor may wish to consider the length of their investment expectations or needs, and their ability to continue the payment of premiums should their financial situation change. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of future or likely performance of any ILP sub-fund. The performance of any ILP sub-fund is not guaranteed and the value of the units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. A product summary and product highlights sheet(s) relating to all ILP sub-funds are available and can be obtained from your insurance advisor or online at www.income.com.sg/funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.

All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income Insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you seek. Purchasing a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the plan.

The precise terms, conditions and exclusions of the Invest Flex plan are specified in income.com.sg/invest-flex-policy-conditions.pdf and Invest Flex Vantage plan in income.com.sg/invest-flex-vantage-policy-conditions.pdf.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC websites (gia.org.sg or lia.org.sg or sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 1 October 2024.