Get up to 240,000 STAR$® on top of ongoing promotion benefits!

[1] The eCapitaVoucher is only available for successful eligible policyholders who have purchased the above list of qualifying policies. Each policyholder will be entitled to the denomination of eCapitaVoucher stated in the table above. Subject to Income Insurance's underwriting decision.

Other promotion terms and conditions apply.

For enquiries on the Promotion, customers may reach out to Income Insurance via www.income.com.sg/contact-us/customer-enquiry-form.

1. Income Insurance Limited (“Income Insurance ”) is offering the following promotion subject to these Terms and Conditions:
   
   1.1. With the purchase of any Qualifying Policy (as defined below) from 7 October 2025 to 15 January 2026 (both dates inclusive) (“Promotion Period”), eligible customers will be eligible to receive the relevant STAR$* (“Promotion Gift”) in the amounts set out below .
   Product category: Life (non-protection)
   $1,000 to <$9,600 minimum annual premium: 50,000 STAR$®
   ≥$9,600 minimum annual premium: 200,000 STAR$®
   Product category: Life (protection)
   $800 to <$3,000 minimum annual premium: 75,000 STAR$®
   ≥$3,000 minimum annual premium: 240,000 STAR$®
   Product category: General Insurance
   $250 to <$350 minimum annual premium: 20,000 STAR$®
   ≥$350 minimum annual premium: 50,000 STAR$®
   
   1.2. Qualifying policies for this Promotion are the selected General Insurance Plans, and Life Insurance Plans including any of its applicable rider(s) for the insurance products set out in the Annex.(Eligible Product Listing) hereto which are purchased and issued in accordance with these Terms and Conditions (collectively the “Qualifying Policies” and each a “Qualifying Policy”). For the avoidance of doubt, the Qualifying Policies shall exclude the insurance products listed in the “Exclusions” section of the Annex.
   
   1.3. Qualifying Policy excludes policy renewals. ^
2. To be eligible for the Promotion in paragraph 1.1, applications for Qualifying Policies must be submitted to Income Insurance between 7 October 2025 to 15 January 2026 (both dates inclusive) (the “Promotion Period”), and if such applications are approved by Income Insurance, the policies must be successfully issued within the time periods set out below for the customer to be eligible to enjoy the promotion –
   
   2.1. Life policies (as specified in the Annex.) must be issued by 15 March 2026,
   
   2.2 General Insurance policies (as specified in the Annex.) must be issued between 7 October 2025 to 15 January 2026 (both dates inclusive).
   
   
3. A customer who is eligible to enjoy the Promotion is entitled to receive one Promotion Gift per Qualifying Policy under this Promotion. For avoidance of doubt, a customer with any Qualifying Policies, 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 . Adding together premium amounts from multiple policies or dividing the premium amount intended for a single policy into premium amounts for multiple policies under the same plan type, to qualify for the Promotion Gift is not allowed.
4. A customer may enjoy this Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance unless otherwise advised by Income Insurance at the point of application. This offer is not stackable with the NTUC Union member offer - [NTUC Union] Exclusive Offers From Income Insurance.
5. The Promotion does not affect or change any term, condition and exclusion of the policy contracts of the Qualifying Policies issued. The precise terms, conditions and exclusions of the Qualifying Policies are specified in their respective policy contracts .
6. Income Insurance reserves the right to demand from the successful applicant the full value of the Promotion Gift for Qualifying Policies which are issued but terminated or lapse within 6 months from the Qualifying Policy issuance date, and the customer shall immediately pay Income Insurance such amount demanded. The full value refers to Singapore dollar equivalent of the amount of STAR$® or the full amount of STAR$® provided by Income Insurance as in the table above, to be determined at Income Insurance’s discretion.
7. Income Insurance will issue a redemption email to customers eligible to enjoy the Promotion approximately four (4) months after the policy effective month, provided that the Qualifying Policy is still in-force as of that date. Please see the targeted redemption email issuance date below.
   1 October 2025 to 31 October 2025 policy issuance date: 28 February 2026 targeted email issuance date
   1 November 2025 to 30 November 2025 policy issuance date: 31 March 2026 targeted email issuance date
   1 December 2025 to 31 December 2025 policy issuance date: 30 April 2026 targeted email issuance date
   1 January 2026 to 15 January 2026 policy issuance date: 31 May 2026 targeted email issuance date
8. The redemption email will be sent to the email address provided in the application form submitted by the customer. No hardcopy letter will be sent to the customer.
9. The Promotion Gift must be redeemed in accordance with the instructions and terms set out in the redemption email, failing which the customer shall be deemed to have forfeited his/her entitlement to the Promotion Gift, and no compensation will be given or paid in lieu.
10. The Promotion Gift is not exchangeable for vouchers or any benefit in kind.
11. Income Insurance reserves the right to replace the Promotion Gift with item(s) of similar value (“Replacement Item(s)”) in its sole discretion.
12. Usage of the Promotion Gift or the Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotion Gift or the Replacement Item(s).
13. Under no circumstances 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 Promotion Gift or the Replacement Item(s).
14. Income Insurance is not the merchant or manufacturer of the Promotion Gift or 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 against infringement of intellectual property rights in respect of the Promotion Gift or 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 Promotion Gift or 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 Promotion Gift prizes or the Replacement Item(s).
16. Income Insurance reserves the right to vary or amend the terms and conditions of this Promotion in its sole discretion at any time without prior notice to customers.
17. Income Insurance’s decision on all matters relating to this Promotion (including the issuance of the Replacement Item(s)) shall be final, conclusive and binding. No appeal 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 or products. 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, 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 any 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 Income 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 any 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 obtain 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 (if applicable) and obtain a refund of premiums paid. We may recover from you any expenses incurred in underwriting this policy. For ILPs, your refund amount may also be adjusted to reflect any change in the market value of the units the policy holds.

The precise terms, conditions and exclusions of the products are specified in their respective policy conditions.

(Applicable for products that fall under the Policy Owners’ Protection Scheme)

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.