Get up to 355,000 STAR$® when you purchase Complete Life Secure!🛡️

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:
   1.1. A customer shall be eligible to enjoy 55,000 STAR$® and an additional of  up to 300,000 STAR$® (“Promotional Gift(s)”) with the purchase of any of the following policies  (collectively, the “Qualifying Policies”, and each a “Qualifying Policy”), including any applicable rider(s), in accordance with the minimum annual premium and minimum premium payment term  set out in the table below: You must apply for the Qualifying Policy including any rider(s) (if applicable), as a policyholder (“Qualifying Customer”). 
   1.2. Where a Qualifying Customer opts for monthly premium payments, the annual premium amount shall refer to the total monthly premium amounts for the relevant policy year. Adding up premium amounts from multiple policies or dividing the premium amount of a single policy to meet the Minimum Annual Premium amount set out in the table above 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) (if applicable), must be submitted to Income Insurance from 10 September 2025 to 31 December 2025 (both dates inclusive) (the “Promotion Period”);  
   2.2. If such application is approved by Income Insurance, the Qualifying Policy must be issued by Income Insurance no later than 28 February 2026; and 
   2.3. At least one (1) month’s premium for the Qualifying Policy must be paid by the Qualifying Customer and received by Income Insurance, during the Promotion Period. 
3. If a Qualifying Customer applies for more than one Qualifying Policy, the Qualifying Customer will receive a Promotional Gift for each Qualifying Policy, provided each meets the respective eligibility criteria.
4. A Qualifying Customer who is eligible to enjoy the Promotion is entitled to receive one Promotional Gift per Qualifying Policy under this Promotion. For avoidance of doubt, a customer with any Complete Life Secure policy including any rider(s) issued, whether issued before or during the Promotion Period and whether with any eligibility to enjoy the Promotion, who subsequently increases their sum assured and/or premium amount, tops-up or applies for riders during the Promotion Period will not be eligible to enjoy this Promotion as a result of such increase(s) in sum assured and/or premium amount, top-ups, or applications for riders. 
5. A Qualifying Customer may not enjoy the Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance. 
6. Income Insurance reserves the right to demand from a Qualifying Customer the full value of the Promotional Gift and received by a customer for the purchase of Qualifying Policy(ies) under this Promotion where such Qualifying Policy(ies) are issued but terminated or lapsed within 6 months from the Qualifying Policy issue date, and the Qualifying Customer shall immediately pay Income Insurance the full value of the Promotional Gift upon demand. The full value of the Promotional Gift refers to the stated worth price or the face value of the Promotional Gift received by the customer for that Qualifying Policy.
7. Income Insurance will issue a redemption email to the Qualifying Customer for the Promotional Gift(s) who is eligible to enjoy the Promotion one month after the Qualifying Policy(ies) issue date, provided that the Qualifying Policy(ies) is/are in force as of that date. The redemption email will be sent to the Qualifying Customer’s email address provided in their application form and registered with Income Insurance. No hardcopy letter will be sent for the redemption of the Promotional Gift(s).
8. The Qualifying Customers must produce the redemption email to redeem the Promotional Gift, which must be redeemed in accordance with the instructions and terms set out in the redemption email sent to the Qualifying Customer, failing which the Qualifying Customer shall be deemed to have forfeited his/her entitlement to the Promotional Gift, and no compensation will be given or paid in lieu.
9. If a customer applies for more than one Qualifying Policy, whether of the same type of Qualifying Policy or different types of Qualifying Policies, the customer will receive the Promotional Gift based on the policy or policies issued to the corresponding Qualifying Policy.
10. Income Insurance reserves the right to replace the Promotional Gift with item(s) of similar value (“Replacement Item(s)”) at any time without prior notice.
11. The Promotional Gift or Replacement Item is not exchangeable for cash or any benefits-in-kind.
12. In the event where the Promotional Gift or Replacement Item(s) are issued, usage of the Promotional Gift or Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotional Gift or Replacement Item(s).
13. 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.
14. Income Insurance is not the merchant or manufacturer of the Promotional Gift or 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).
15. 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(s) or 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 or Replacement Item(s).
16. 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) in connection with, related to or resulting from the Promotion and/or use of the Promotional Gift or the Replacement Item(s). 
17. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.
18. 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 policy is a long-term commitment on your part. If you cancel your policy prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the policy. If you find that an insurance policy 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 expenses incurred in underwriting this policy.

The precise terms, conditions and exclusions of the Complete Life Secure plan are specified in income.com.sg/complete-life-secure-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 10 September 2025.

Protected by copyright and owned by Income Insurance Limited.