This insurance plan is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No.198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.

Death Benefit

1. If the life insured dies from suicide within 1 year from the policy issue date, we will not pay the death benefit and will refund all premiums paid without interest and less any medical or other expenses we have had to pay in connection with this policy and this policy ends.
2. If the life insured dies from suicide within 1 year from the effective date of the most recent reinstatement of the policy, we will not pay the death benefit and will refund all premiums paid from the start date of the most recent reinstatement without interest and less any medical or other expenses we have had to pay in connection with this policy and this policy ends.

Terminal Illness (TI) Benefit

The terminal illness benefit shall not be payable if terminal illness is caused by the presence of Human Immunodeficiency Virus (HIV) infection.

Total and Permanent Disability Plus (TPD Plus) Benefit

The total and permanent disability plus benefit will not be payable if the disability caused by any of the following:

1. any self-inflicted injury or attempted suicide, while sane or insane;
2. the life insured being under the influence of any narcotic, alcohol, gas or fumes, voluntarily taken, administered, absorbed or inhaled or drugs not prescribed by a medical examiner;
3. war or any act incident to war, or service in the armed forces or in a civil defense force supporting any country at war except for peacetime national service duties;
4. riot, insurrection, civil commotion, strikes or terrorist activities, except as a victim;
5. any pre-existing condition; or
6. injuries sustained while travelling on any aerial device or conveyance, except:
1. as a fare-paying passenger or a crew member including a pilot on an aircraft licensed for passenger service and operated by a regular airline on a scheduled route, or
2. an aircraft operated by the Republic of Singapore Air Force.

“War” means any war, declared or not, or any conflict between the Armed Forces of countries, international organizations or combinations of the above.

“Armed Forces” means the military, naval and air forces of any international organizations.

“Pre-existing condition” means any illness or condition which existed before the policy issue date or the most recent date of reinstatement of this policy, whichever is the latest, and for which:

1. presented signs or symptoms which you or the life insured was aware of or should have been aware of, and where the life insured should have sought medical advice or treatment;
2. treatment, test or investigation was recommended by or received from a medical examiner; or
3. the life insured has arranged or received medical consultation, test or investigation.

You will find the precise terms, conditions and exclusions in the policy contract.