Get a Garmin vívoactive 5 GPS Smartwatch and 55,000 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. Upon successful purchase of a Complete Life Secure Plan (collectively the “Qualifying Policies”, and each a “Qualifying Policy”) including any applicable riders, customers will be eligible to receive a Garmin vívoactive 5 GPS Smartwatch (“Gift(s)”) and/or 55,000 STAR$® (“Voucher(s)”) in accordance with the required premium payment term and minimum annual premium as set out in the table above at clause [1.3]:
   1.2. You must apply for the relevant Qualifying Policy(ies), including the rider(s) as a policyholder (“Qualifying Customer”); and
   1.3. 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.​
2. For a Qualifying 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 7 July 2025 to 30 September 2025 (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 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 who is eligible to enjoy the Promotion is entitled to receive one Gift(s) and/or Voucher(s) per Qualifying Policy under this Promotion.​
4. If a Qualifying Customer applies for more than one Qualifying Policy, the Qualifying Customer will receive a Gift(s) and/or Voucher(s) for each Qualifying Policy, provided each meets the respective eligibility criteria.​
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 cost of the Gift(s) and/or Voucher(s) 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 cost of the Gift(s) and/or Voucher(s) upon demand. ​
7. Qualifying Customers for the Gift(s) will be eligible to receive the Gift(s) one (1) month after each relevant Qualifying Policy is issued, provided that the Qualifying Policy is not terminated. A redemption letter from Income Insurance will be sent via mail to Qualifying Customers’ latest mailing address in Income Insurance’s record. The Gift(s)must be redeemed in accordance with the instructions and terms set out in the redemption letter sent via mail, failing which the Qualifying Customer shall be deemed to have forfeited his/her entitlement to the Gift(s), and no compensation will be given or paid in lieu.
8. Qualifying Customers for the Voucher(s) will be eligible to receive the Voucher(s) one month after the issuance of each relevant Qualifying Policy, provided that the policy remains active and is not terminated. A redemption email from Income Insurance will be sent to the Qualifying Customer’s email address in Income Insurance’s record. The Voucher(s)must be redeemed in accordance with the instructions and terms set out in the redemption email, failing which the Qualifying Customer shall be deemed to have forfeited his/her entitlement to the Voucher(s), and no compensation will be given or paid in lieu.
9. 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.​
10. Usage of the Promotional Gift and/or Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotional Gift and Replacement Item(s).​
11. The Gift(s), Voucher(s) and Replacement Item(s) are not exchangeable for cash or any benefits-in-kind.​
12. 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.​
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) in connection with, related to or resulting from the Promotion and/or use of the Gift(s), Voucher(s)and Replacement Item(s). ​
14. In the event where Replacement Item(s) are issued:
    14.1. Usage of the Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Replacement Item(s); ​
    14.2. 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);​
    14.3. 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); ​
    14.4. 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).​
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 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 30 September 2025.