Terms and Conditions
This Promotion is offered by Tokio Marine Life Insurance Singapore Ltd. (“TMLS”) and is subject to these Terms and Conditions (“Terms”). By registering or taking part in this Promotion, all participants shall agree to be bound by the following Terms:
- Eligible Customer – This Promotion is open to all new and existing TMLS policyholders, including employees and
- Eligible Plans – Eligible Plans for the Promotion offered by TMLS:
- a) TM MultiCare
- b) TM Term Assure (II) – Level and Convertible
- c) TM Term Assure (II) – Renewable and Convertible (5 or 10 years)
Subject to meeting the Qualifying Criteria set out at Paragraph 4 below, Eligible Customers are entitled to receive Premium Discount for purchase of the following Eligible Plans during the Promotion:
- Promotion Period – From 1 Jul to 30 Sep 2025 (both dates inclusive), unless extended or withdrawn by TMLS at its sole discretion.
- Qualifying Criteria – Eligible Customers will enjoy the Premium Discount, subject to the following Conditions:
(i) the application for the Eligible Plan is submitted and received by TMLS within the Promotion Period and the policy must be issued on or before 30 Nov 2025;
(ii) the application is for a new policy and is not an application to increase the sum assured of the policy (including its riders) or to add riders to any existing policy;
(iii) the Premium Discount will automatically be applied to all Eligible Plan, including premium for extra loadings, by deducting from the premium amount due during the first, second and third policy year. No Premium Discount will be applicable from policy year four and onwards;
(iv) the Premium Discount is applicable to all premium payment modes (monthly, quarterly, semi-annual, annual); (v) in the event of any termination of the policy where refund is applicable, only the actual premium amount paid excluding the amount on the discount will be considered for the refund;
(vi) the Premium Discount is not applicable to existing TMLS policyholders who have terminated or are in the midst of terminating an existing Eligible Plan policy on the Life Assured at the time of application for the same plan during the Promotion Period;
(vii) in the event of termination of any existing Eligible Plan policy on the Life Assured following the successful issuance of the application of the same plan, the policyholder will not enjoy the Premium Discount. (viii) the Premium Discount will immediately cease when the policy is at any time terminated; (ix) the Premium Discount is not transferable or exchangeable for cash, credit, or any other goods and services.
Premium Discount is given on a per policy basis. There is no limit to the number of TMLS policy(ies) purchased; provided
- each new TMLS policy purchased meets the conditions set out in these Terms.
- This Promotion does not affect nor change any term or condition of the policy issued to the policyowner by TMLS.
- TMLS reserves the right to replace the Premium Discount with item(s) of similar or other value without prior notice.
- TMLS is not liable for any losses, claims, demands, expenses and/or other liabilities, whatsoever in relation to the Premium Discount.
- This Promotion can be used in conjunction with any other ongoing promotions, discounts, offers, vouchers, rebates, or any other privileges unless otherwise stated in writing by TMLS in its sole and absolute discretion.
- TMLS’s decision on all matters relating to this Promotion shall be final and binding. TMLS reserves the right to vary the terms and conditions at any time without prior notice or reason or liability.
- TMLS reserves the right to disqualify any participant and/or pursue legal action against any person whom it believes has undertaken fraudulent activities or other activities harmful or prejudicial to this Promotion or its entry submission process.
- The Terms under this Promotion shall be governed by the laws of Singapore and each participant agrees to submit any claim, dispute, or controversy to the exclusive jurisdiction of the courts of the Republic of Singapore.
13.By participating in this Promotion, the participant agrees and consents that TMLS, its related corporations as well as its authorised service providers and relevant third parties (collectively, the “Companies”), may collect, use and/or disclose the participant’s personal data for purposes as may be reasonably required by the Companies to administer this Promotion in accordance with TMLS’s Data Protection Policy. For more information on TMLS’s data protection policy (including information on withdrawal of consent, access or correction of personal data), please refer to TMLS’s Data Protection Policy (available at https://www.tokiomarine.com/sg/en/life/about-us/corporate-policies/fair-dealing/
personal-data-protection.html).
Full Terms and Conditions are available on https://www.tokiomarine.com/sg/en/life/products/personal/promotions/ goprotect-customer-campaign.html. In the event of any discrepancy or inconsistency between the Terms found in this promotion material and the full Terms and Conditions, the full Terms and Conditions shall prevail.
Important Notes:
This promotional material is not intended as an offer or recommendation to the purchase of any insurance plan. TM MultiCare and TM Term Assure (II) plans are underwritten by Tokio Marine Life Insurance Singapore Ltd. and are only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase them. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.
Protected up to specified limits by SDIC.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information shown in this promotional material is for reference only and is correct as at 1 July 2025. EDM-056-JUL2025 E&OE