1. This Guaranteed Loyalty Reward 2024 (“Campaign”) is organised by Etiqa Insurance Pte. Ltd. (“Etiqa”) exclusively for Etiqa customers. Customers who have purchased any eligible policy set out in clause 3 below (“Eligible Policies”) and fulfil the terms and conditions of this Campaign during the Qualifying Period (as defined below) will be entitled to an additional percentage of the policy account value of the Eligible Policies as set out in clause 5 below (“Reward”).
2. Qualifying Period: 2 April 2024 to 2 October 2024 (both dates inclusive)
   Any Top-ups made by 11 April 2024 will be eligible for the Reward.
3. The Eligible Policies applicable under this Campaign are as follows:
   

   Eligible Policies
   ELASTIQ	GIGANTIQ
   eSAVE advance	Dash EasyEarn
   Enrich advance	Dash PET*
   eSAVE smart

   * Only applicable for policies incepted between 8 February 2021 and 11 August 2022 (both dates inclusive)

4. Following are the Qualifying Criteria(s) which are applicable to this Campaign:
   
   1. Customer is an existing policy owner of the Eligible Policy and the Eligible Policy must remain in force throughout the Qualifying Period;
   2. No surrendering of the Eligible Policy during the Qualifying Period;
   3. No partial withdrawals of the Eligible Policy (with the exception of Dash PET) during the Qualifying Period;
   4. In the case of Dash PET policy, the total amount of partial withdrawals made must not exceed S$1,000 (excluding surcharge) per policy owner during the Qualifying Period;
   5. No reinstatement or reactivation of the Eligible Policy during the Qualifying Period; and
   6. Any Top-up amounts made after 11 April 2024 will be excluded from the computation of the Reward.
5. Customers who complies with the Qualifying Criteria(s) will be entitled to the Reward:
   
   1. Eligible customers will be entitled to a Reward set out below in addition to his/her policy crediting rate:
      

      Eligible Policies	Reward as a percentage of the policy account value of the Eligible Policies as at 11 April 2024
      ELASTIQ	1.80% p.a.
      eSAVE advance	1.80% p.a.
      Enrich advance	1.80% p.a.
      GIGANTIQ	2.30% p.a.
      Dash EasyEarn	1.80% p.a.
      Dash PET*	2.30% p.a.
      eSAVE smart	1.80% p.a.

      * * Only applicable for policies incepted between 8 February 2021 and 11 August 2022 (both dates inclusive).The Reward will be credited to the account value of Eligible Policy on 3 October 2024.

   2. The Reward will be computed based on the account value of the Eligible Policy as at 11 April 2024.
      Example: A customer has a GIGANTIQ policy with S$10,000 account value as at 11 April 2024. The customer will be entitled to a Reward of S$115.00 at the end of this Campaign (6 months’ worth of S$10,000 X 2.30% p.a.). The Reward will be credited to the account value on 3 October 2024 as long as the customer fulfils all the terms and conditions of this Campaign.
   3. In the case of Dash PET, the Reward will be computed based on the account value of Dash PET policies as at 11 April 2024 less all the amount withdrawn during the Qualifying Period. If the total amount of partial withdrawals made exceeds S$1,000 (excluding surcharge) per policy owner during the Qualifying Period, you will not be eligible for the Reward.
      Example: A customer has a Dash PET policy with S$10,000 account value as at 11 April 2024. The customer has made partial withdrawals from his/her Dash PET policy. The total amount of partial withdrawals made from his/her Dash PET policy during the Qualifying Period is S$1,000. The customer will be entitled to a Reward of S$103.50 at the end of this Campaign (6 months’ worth of S$10,000 less S$1,000 of total partial withdrawals made 2.30% p.a.). The Reward will be credited to the account value on 3 October 2024 as long as the customer fulfils all the terms and conditions of this Campaign.
6. Participation in this Campaign is automatic. Customers with an Eligible Policy will receive a letter from Etiqa via the registered email or hardcopy letters in regards to the enrolment for this Campaign by 30 April 2024.
7. Only eligible customer who has received the enrolment letter from Etiqa and fulfilled all the terms and conditions of this Campaign will receive a letter from Etiqa via the registered email or hardcopy letters in regards to the Reward by 31 October 2024.
8. Existing terms and conditions for the Eligible Policies apply.
9. This Campaign is not valid in conjunction with any ongoing existing insurance promotions, coupons, staff discounts and privileges unless otherwise stated.
10. Notwithstanding anything herein, Etiqa has the absolute discretion to determine the eligibility of any person to participate in the Campaign.
11. If Etiqa subsequently determines that a person is not eligible, for any reason whatsoever, Etiqa may at its discretion, disqualify that person and cancel the Reward without prior notice.
12. Etiqa reserves the right, at any time in its sole and absolute discretion, to amend the terms and conditions of the Campaign.
13. In the event of any inconsistency between these terms and conditions and other materials relating to the Campaign, these terms and conditions shall prevail.
14. These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). 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 us or visit the Life Insurance Association (LIA) or SDIC websites (lia.org.sg or www.sdic.org.sg).
15. By participating in the Campaign, the Customer consent to Etiqa and its related, its agents, authorised service providers and marketing partners collecting, using or disclosing and/or processing their personal data, for the purpose to evaluate their proposal form and to provide the product and services which they are applying for and such other purposes as stated in Etiqa’s Data Protection and Privacy Statement on Etiqa’s website, which the Customer confirmed that they have read and understood.
16. The Customer confirm and agree that their consents herein supplement but do not supersede or replace any other consents which they may have previously provided to Etiqa, and are additional to any rights which Etiqa may have at law to collect, use or disclose their personal data, with or without their consent, to the extent permitted under applicable law.
17. In addition, where personal data of any person is disclosed by the Customer, the Customer further confirm and represent that they have obtained the consent of the individual concerned for the purposes, unless such consent is not required under applicable laws.
18. By participating in the Campaign, the customer agrees to release and hold Etiqa harmless from any and all liability whatsoever for any injuries, losses or damages of any kind to any person or property arising from or in connection with, either directly or indirectly the participation in the Campaign.
19. A person who is not a party to this Campaign terms and conditions has no right under the Contracts (Rights of Third Parties) Act 2001, to enforce any of these Terms and Conditions.
20. The terms and conditions of the Campaign shall be governed by and interpreted in accordance with Singapore law. The courts of Singapore shall have exclusive jurisdiction over any disputes arising from the terms and conditions, including the validity and enforceability thereof.

All information is correct as at 11 March 2024