#goProtect T&C (2025 Q3 1Jul – 30Sep)

(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 November 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 Plans, 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. 

5. 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.  
6. This Promotion does not affect nor change any term or condition of the policy issued to the  policyowner by TMLS. 
7. TMLS reserves the right to replace the Premium Discount with item(s) of similar or other value  without prior notice. 
8. TMLS is not liable for any losses, claims, demands, expenses and/or other liabilities, whatsoever  in relation to the Premium Discount. 
9. 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. 
10. 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. 
11. 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. 
12. 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/about-us/fair dealing/personal-data-protection.html).  
14.  Any trademarks, graphic symbols, logos, or intellectual property contained in any material used  in connection with this Promotion, are the property of their respective owners. TMLS and its  affiliates and merchants are not affiliated with, or endorsed or sponsored by, such owners and  their relevant affiliates. By entering this Promotion, each participant agrees that TMLS, its  respective affiliates, subsidiaries, advertising and promotion agencies, and their respective  officers, directors, and employees (the “Relevant Organisers”) shall not be liable for injury, loss,  claims or damage of any kind arising out of or in connection with the participants’ acts, omissions,  or negligence. Each participant in this Promotion agrees to waive and release the Relevant  Organisers from the above-mentioned claims and liabilities. 
15. To the maximum extent permitted by law, each participant agrees to indemnify and hold TMLS  harmless against any losses, damages, costs, expenses, claims or liabilities of any kind arising in  connection with his or her participation in this Promotion.
16. No third party shall have any right under the Contracts (Rights of Third Parties) Act 2001 to  enforce these Terms. 

    Important Notes: 

    These terms and conditions are 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