Get up to 1,855,000 STAR$^® when you sign up for a regular premium Gro Retire Flex Pro II! 💰

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) subject to these Terms and Conditions (the “Promotion”):
   1.1. With the purchase of a Gro Retire Flex Pro II Plan (the “Qualifying Policy”), including any applicable riders, customers shall be eligible to receive up to 1,855,000 STAR$® (worth up to $1,855.00 eCapitaVouchers) (“Promotional Gift”) in the amounts set out in accordance with the table above.
   1.2. You must apply for the relevant Qualifying Policy, including the rider(s) as a policyholder (“Qualifying Customer”).
   1.3. Adding up of the minimum monthly premium amounts from multiple policies to meet the minimum monthly premium amount as set out in the table above or dividing the premium amount of a single Qualifying Policy to claim additional STAR$® on the same Qualifying Policy is not allowed.
2. For a Qualifying Customer to be eligible to enjoy the Promotion:
   2.1. The application for the Qualifying Policy, including the rider(s), must be submitted to Income Insurance from 12 August 2025 to 30 September 2025 (both dates inclusive) (the “Promotion Period”);
   2.2. If such application(s) is approved by Income Insurance, the Qualifying Policy must be issued by Income Insurance no later than 30 November 2025; and
   2.3. At least one (1) month’s premium for the relevant Qualifying Policy must be paid by the Qualifying Customer and received by Income Insurance, during the Promotion Period.
3. A Qualifying Customer may not enjoy this Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.
4. A Qualifying 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 Gro Retire Flex Pro II, 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 Qualifying Customer the refund of the full value of the Promotional Gift received by a customer under this Promotion where the Qualifying Policy is issued but cancelled/terminated by Income Insurance or the customer, or has lapsed due to any acts of the Qualifying Customer within 6 months from the policy issue date, and the Qualifying 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 Qualifying 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. Qualifying Customers may refer to the email for instructions on the redemption of the Promotional Gift. No hardcopy letter will be sent.
7. Usage of the Promotional Gift shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotional Gift. The Promotional Gift is not exchangeable for cash, any other vouchers or any benefits-in-kind.
8. If a Qualifying Customer applies for more than one Qualifying Product, the Qualifying 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. In the event where Replacement Item(s) are issued, the 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. Income Insurance is not the merchant or manufacturer of the Promotional Gift and 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 Promotional Gift and Replacement Item(s).
13. 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).
14. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Promotional Gift and the Replacement Item(s) 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 Promotional Gift and Replacement Item(s)
15. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.
16. Income Insurance’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeals will be entertained.

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. If you find that an insurance plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.

The precise terms, conditions and exclusions of the Gro Retire Flex Pro plan are specified in income.com.sg/gro-retire-flex-pro-ii-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 (www.gia.org.sg or 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 12 August 2025.