1. Upon the death of the life insured while the policy is in force, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter.

2. If the life insured is diagnosed with a terminal illness while the policy is in force, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter.

3. If the life insured is diagnosed with TPD before the life insured’s 65^th birthday, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter. The TPD benefit payable is subject to the TPD per life limit of SGD3,000,000 as aggregated with other policies and riders issued by us on the same life insured.

4. For the 5-year renewable term policy, the premium is level and guaranteed throughout the duration of each 5-year policy term. The renewal premium at each renewal is not guaranteed, and will be worked out based on the prevailing premium rates and the life insured’s age at the time of renewal.

5. This plan will be renewed automatically from the renewal date for the same policy term without further evidence of insurability, so long as all of the following conditions are met:

1. the policy is in force and there is no outstanding premium immediately before the date on which the renewal takes effect;
2. we have received and accepted the renewal premium on the date on which the renewal takes effect;
3. the life insured has not attained age 80; and
4. no claim has been made on or admitted under the policy.

Buying a life insurance policy is a long-term commitment. As this policy does not have any savings or investment feature, it has no cash value. This advertisement is for general circulation only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. The policy mentioned in this advertisement 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 us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg) or (www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at July 2020.