This Guarantee applies to all Term Life Insurance policies with a Total and Permanent Disability (“TPD”) rider issued by Fi Life from 1 February 2023 to 31 December 2023.

This guarantee applies to adult women who are non-smokers aged 18-49 (inclusive) at the time the term life policy with a TPD rider was purchased (“your Fi Life policy”).

If within 60 days of purchasing your Fi Life policy you find another life insurance policy with a TPD rider that offers a lower premium for the same sum assured and benefits, we will refund you an amount that is equivalent to the difference in premiums between that life insurance policy and your Fi Life policy for the term of your policy.

1. Please submit proof of the lower premium provided by the the other life insurance company (screenshot, website link, photocopy) within 60 days of the purchase of your Fi Life policy to hello@fi.life
2. Fi Life will verify the lower premium is for a life insurance policy with the same sum assured and benefits within 5 working days of receiving your email.
3. Once verified, Fi Life will pay the difference in premiums between your Fi Life policy and the policy you submitted (the “premium difference”) within 30 days of you sending us your bank account details.
4. If the payment frequency of your Fi Life policy is monthly, we will pay you the premium difference on a monthly basis. If the payment frequency of your Fi Life policy is annual, we will pay you the full annual premium difference.

Sorry, we currently have the lowest premiums for term life insurance policies with a TPD rider for men of certain age groups, but we can’t guarantee it.

1. Any premium difference due to:
   • critical illness riders attached to your Fi Life policy
   • loading of the premium for your Fi Life policy due to your medical, family or lifestyle history.
   • promotional, temporary premium discounts that are applied to the life insurance policy that the Fi Life policy is compared to
2. Premiums for smokers
3. Fi Life does NOT guarantee the cheapest premiums in Malaysia for its critical illness riders or its standalone Accidental Death policies.

1. If you terminate your Fi Life policy or allow it to lapse, we will no longer have the obligation to pay you any refunds under this Guarantee.
2. If you do not pay your monthly premiums by the due date, any refunds under this Guarantee will be suspended until you settle the outstanding premium.
3. This Guarantee does not apply to premiums attributable to subsequent renewals of your Fi Life policy.

1. This Guarantee shall be governed by and construed in accordance with the laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia.
2. Fi Life reserves the right to cancel, terminate, suspend or extend the Guarantee with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by Fi Life shall not entitle any of the Policyholders to any claim or compensation against Fi Life for any losses or damages suffered or incurred by the Policyholders as a direct or indirect result of the cancellation, termination or suspension.
3. Fi Life reserves the right at its absolute discretion to amend, delete or add to any of the terms and conditions of this Guarantee any time with or without prior notice. Any such variation, additions, deletions or amendments to the Terms and Conditions herein shall be binding on Fi Life policyholders and be deemed to be brought to the attention of the Policyholders through any notice via email or website, if applicable.
4. Fi Life shall not be held liable and/or responsible for any loss, damage or any other form of liability (including indirect, consequential or economic losses, loss of profits, and loss of opportunity) in whatsoever nature and howsoever arising or suffered by any policyholders directly or indirectly from this Guarantee.
5. Fi Life shall not be held liable for any default of its obligation under the Guarantee due to any force majeure event which includes but is not limited to an act of God, war, riot, lockout, industrial action, fire, flood, drought, store or any event beyond the reasonable control of Fi Life.