Appendix A
Manulife Q3 2025 Premium Discount Campaign (“Campaign”)
Terms and Conditions (“Campaign Terms”)
1. This Campaign is organised by Manulife (Singapore) Pte. Ltd. (“Manulife”).
2. A customer is entitled to a premium discount (“Premium Discount”) as set out in Tables A, B and/or C below, if the
customer fully meets all the following eligibility requirements set out in clause 2(i) to (iii) below, and these Campaign Terms
(“you”, or “your”):
i) your application to purchase new qualifying product(s) (“Qualifying Product(s)) must meet the qualifying criteria as
set out in Tables A, B and/or C (“Qualifying Criteria”);
ii) you must have purchased the Qualifying Product(s) through Manulife Advisory Group, Manulife Financial Advisers Pte.
Ltd. and/or other financial advisory firms authorised by Manulife to distribute the Qualifying Product(s); and
iii) you are the policy owner of the Qualifying Product(s).
3. Premiums for the Qualifying Product(s) must be paid only through cheque, credit / debit card, PayNow or electronic funds
transfer (AXS payment services / internet banking) only. The Premium Discount(s) are not applicable to payments made
through Supplementary Retirement Scheme (SRS).
4. The Premium Discount(s) set out in Tables A, B and C is / are given on a per policy basis.
5. The Perpetual Premium Discount set out in Table A above will cease immediately if any of the following has occurred to
any policy of any Qualifying Product(s):
a. change in sum insured or premium amount; or
b. addition or deletion of rider.
6. The First Year Premium Discount set out in Table B will cease immediately if any of the following has occurred to any policy
of any Qualifying Product(s) within 12 months from the policy issue date, whichever is the earliest:
a. change in sum insured or premium amount;
b. change in premium payment frequency;
c. policy conversion or switching;
d. addition or deletion of rider; or
e. policy reinstatement.
7. The 3 Year Premium Discount set out in Table C will cease immediately if any of the following has occurred to any policy of
any Qualifying Product(s) within 36 months from the policy issue date, whichever is the earliest:
a. change in sum insured or premium amount;
b. change in premium payment frequency;
c. policy conversion or switching;
d. addition or deletion of rider; or
e. policy reinstatement.
8. The Premium Discount(s) are applicable to:
a. in respect of the Qualifying Products under Table A, only the base plan and Total and Permanent Disability Plus Rider
(II); and
b. in respect of the Qualifying Product(s) under Table B and C, the base plan and all riders (where applicable) attached
to the Qualifying Product(s),
as well as any additional premium amount due to sub-standard rating of the life insured.
9. The Perpetual Premium Discount set out under Table A will continue to be applicable upon renewal of the applicable
Qualifying Product(s) set out under Table A. The First Year Premium Discount set out under Table B will only be applicable
to premium payments made during the first year of any applicable Qualifying Product(s) set out under Table B. The 3 Year
Premium Discount set out under Table B will only be applicable to premium payments made during the first three years of
any applicable Qualifying Products set out under Table C.
10. The Premium Discount(s) are not transferrable or exchangeable for cash, credit or any other goods and services.
11. Manulife reserves the right to replace the Premium Discount with item(s) of similar or other value without prior notice to you.
12. If you cancel any policy of any Qualifying Product(s) within the 14 days’ free-look period, or if the policy lapsed or is
surrendered within 12 months from the policy issue date, Manulife reserves the right to recover the amount equivalent to
the Premium Discount(s) that have been awarded to you in any manner at its sole and absolute discretion.
13. Manulife is not liable for any direct and indirect losses, claims, demands, expenses and/or other liabilities, whatsoever in
relation to or arising out of or in connection with this Campaign.
14. You consent under the Personal Data Protection Act 2012 of Singapore to the collection, use, and disclosure of your
personal data by / to Manulife and such other third parties as Manulife may reasonably consider necessary for the purpose
of this Campaign. You agree to be bound by Manulife privacy policy, a copy of which can be found on
https://www.manulife.com.sg/personal-data-protection.html.
15. You agree to indemnify Manulife, its directors, employees and officers, and hold them harmless against all losses, claims,
demands, expenses and liabilities (including legal fees) suffered or incurred by each of them as a result of any breach of
these Campaign Terms or of applicable laws by you including, without limitation, any representation made by you which is
not authorized under these Campaign Terms or otherwise in writing by Manulife or any claim made by you.
16. By taking part in this Campaign, you agree that all decisions made by Manulife in connection with this Campaign (including
the interpretation and application of these Campaign Terms) shall be final and binding on you. No appeals or
correspondences will be entertained. In the event of any inconsistency between these Campaign Terms and any brochure,
marketing or promotional material relating to the Qualifying Product(s) listed in the tables above, these Campaign Terms
shall prevail.
17. All applications for the Qualifying Product(s) under this Campaign are subject to such policy terms and conditions as
Manulife may impose.
18. Manulife may exclude any person from participating in this Campaign, without providing any reason and without prior notice,
at its sole and absolute discretion.
19. Manulife may amend, add, withdraw, supplement, terminate, cancel or suspend this Campaign, or vary these Campaign
Terms at any time without notice or reason or liability, at its sole and absolute discretion.
20. Manulife shall be excused from performance under this Campaign and shall not be in default in respect of any obligation
hereunder to the extent that the failure to perform such obligation is due to a force majeure event, beyond the control of
Manulife.
21. The invalidity, unlawfulness or unenforceability of any provision in these Campaign Terms in any respect under applicable
law shall not affect the validity, legality or enforceability of the remaining Campaign Terms.
22. A person who does not participate in this Campaign has no right under the Contracts (Rights of Third Parties) Act 2001 of
Singapore to enforce any of these Campaign Terms.
23. These Campaign Terms are governed by and construed in accordance with the laws of Singapore and you agree to submit
to the exclusive jurisdiction of the courts of Singapore.
24. This Campaign cannot be used in conjunction with other promotions or campaigns carried out by Manulife, unless otherwise
permitted by Manulife in its sole and absolute discretion.
25. All information is correct as at 1 July 2025.